BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: U.S. BANCORP
State: OH
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:
I called on XX/XX/XXXX to get information on Balance and transactions. I was told I had transactions that were charged that I was not aware of and informed that I would need to dispute the transactions and have to cancel my card and have a new one issued. The next day after reviewing the transactions history and bank statement I contacted the bank again and questioned the transactions in question and was informed that the transactions were not charges but pos holds that were normal that I ran the card as credit instead of debit. I have nothing to be disputed and canceled my card for nothing but the fact that it was over false information that I was provided by the representatives of the bank which is all I have received from the first call made. After my new card was received I had to call customer service to activate the card and was informed that I would have to send my identification verification by fax for activation to be able to get my account access. After sending my government issued identification card social security card tax documents birth certificate and address verification it has been almost 2 months now and now just informed that I now have to fax all information to another number and my documents were reviewed and verified but need to be processed again. This is unjustified that the amount of time i have been locked out with no resolution or contact with bank I have to call daily waiting on hold to get hung up on lies to or misled this is a big circle that just never ends. Always having another hoop or detail added. I informed the bank from day 1 my family with XXXX children are currently homeless and lost everything, we desperately need this resolved and access to my money. We have been approved for housing after 5 months homeless and are at RISK of losing the housing if cant connect utilities before XX/XX/2020. Please help me get answers and resolve the problem asap please.

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 2017-08-04
Company: AMERICAN EXPRESS COMPANY
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:
Annual fee charged after AMEX representative promised refund. American Express charged my card an annual fee on XXXX XXXX, 2017. I called them on XXXX XXXX, 2017 at XXXX to cancel the card, within their grace period for refund on cancellation. When I spoke to the representative I requested to cancel my card and requested refund for the annual fee. During the call the representative suggested I leave the card open due to a pending trip booked using the companion certificate issued by AMEX and Delta Airlines. The representative said their refund policy is lenient and suggested I call back after the trip. On the call I confirmed annual fee would be refunded if I called after the trip at XX/XX/XXXX. When I called after the trip to request a refund I was told they needed to review the original call before they honor the refund. I was told a manger would review the call and contact me within a week, I did n't not receive a call. In the mean time I was charged interest and late fees. I called back 3 times after and got the same response, " a manager will review the call and get back to you within a week ''. On XXXX XXXX, 2017, I was told there is no record of my call. I was able to review my phone records and pinpoint the date of the original call on XXXX XXXX, 2017. I would have cancelled on XX/XX/XXXX for a full refund if not suggested by the representative. Since the call was recorded for minoring and training purpose they should be able to review the call. Especially since in my subsequent call I was told a manger will review the call and contact me. But after many attempts I have n't received a call back. I ended up paying the interest and annual fee to avoid further interest and late charges. I believe if an agent of the company suggested to delay the cancellation and will be refunded later, the company should honor word of their agent. I will create a page on XXXX to make other consumers aware of their action. I hope CFPB is able to request AMEX to review the call and listen to the conversation and honor the what was discussed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance {$900.00} which is false, and misrepresented as I paid {$450.00} so far. 
Opened : XX/XX/2013 ( 4 yrs, 2 mos ) I called this debt collector, we arranged a payment so far I paid {$450.00} and the last date I paid was XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This law firm is a debt collector who has been filing lawsuits and collecting on taxes during this pandemic. They are using tactics that are unethical. I paid my bill in XXXX and have the right to work out a payment plan with the water district for current year taxes. They filed a lawsuit on my mother 's property taxes for over {$9000.00} dollars. 

Greed and desperate for money against people who have lost jobs in a down economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Found a hard credit inquiry on my Experian credit report dated XX/XX/XXXX. Contacted XXXX XXXX  XXXX ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted XXXX XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with Experian for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!

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 2020-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. 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 2020-11-03
Company: EQUIFAX, INC.
State: IL
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:
The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE

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 2020-11-03
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: Their investigation did not fix an error on your report

Complaint:
I disputed a collection with Experian regarding ( XXXX XXXX XXXX ) several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that failure to send the Rights to Cure before repo and the Notice of Sale post repo was a violation of my consumer rights.

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 2020-12-09
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I withdrew XXXX dollars from the XXXX atm machine at XXXX an I tried to take off XXXX dollars an before I could finish my transaction the atm machine took the money back before I even had a chances to grab it I have already filed a complaint an cash app has not responded an I sent them the documents they needed showings proof of my transaction an its been another 15 days an I havent got a response yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed a collection with Transunion and XXXX  regarding XXXX XXXX XXXX XXXX XXXX several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that they failed to send the Rights to Cure before repo and the Notice of Sale post repo which was a violation of my consumer rights. XXXX admitted to sending out notices to the wrong address and sent a letter per my request proving it.

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 2020-11-03
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: Their investigation did not fix an error on your report

Complaint:
I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS CAR LOAN HAS NOTHING TO DO WITH ME. IT'S ALL PAID FOR ... THIS FRAUD ON MY REPORT ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled credit report and notice fraud account from when my identify was stolen! I notice student loan accounts I was incarcerated at the time, so there is no way I could have attended college. These accounts need to be removed from my credit report and copy sent to my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS CAR LOAN HAS NOTHING TO DO WITH ME. IT'S ALL PAID FOR ... THIS FRAUD ON MY REPORT ON EXPERIAN

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 2020-11-03
Company: EQUIFAX, INC.
State: AL
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a XXXX XXXX set for {$1000.00} back in XXXX 2020. Due to COVID, there was a delay in shipping and the ring was not shipped until XX/XX/2020. I immediately returned the bridal set back to the company within a week of receiving it and they confirmed that the ring was back in their possession. Now the credit card company is not honoring the return that the company has already confirmed to them on several occasions. I have disputed this directly with the company on multiple occasions with no true resolution although I have provided all the proof of the return on my end and the jewelers end. I continue to be charged for an item I no longer have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the balance to ZERO? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 XXXX XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Have been trying to dispute this account with credit bureaus for over a year. This account was opened over 10 years ago. I stopped paying the account after 1 year because it had issues and they repo it. They are still reporting this on the credit report after asking them to send proof of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, 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:
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax multiple times by filing a direct dispute with them. They stated in their response to my dispute that " This creditor has verified to OUR company that the current status is being reported correctly. " That is IMPOSSIBLE because I have a credit reference letter from XXXX   XXXX stating my account has NEVER been delinquent ( see attached ). I also have provided my FORBEARANCE LETTER from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Equifax is not actually doing an investigation and are falsely reporting on my credit report. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation of your so called investigation as to how you are verifying this information, as REQUIRED my law. These violations carry monetary damages, which I will pursue if this is not fixed.

Company response to consumer: Closed with explanation