BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been attempting to transfer my funds from a debit card from my uc account. I know how much is in the account but the Visa card co. won't allow me to do it. Also l have been trying to call there customer service and l have been on hold for one hour and 35 minutes and l am still on hold. The debit card is a visa debit card from us bank reliacard.

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 2021-10-04
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:
On XX/XX/2021, I filed disputes with XXXX, TransUnion, and XXXX. XXXX fixed the issue. My complaint involves XXXX XXXX TransUnion. Despite having submitted evidence of identity theft, and supporting documents ( police reports from the XXXX XXXX Police Department, XXXX XXXX Police Department, XXXX Police, and XXXX Sheriff 's Office, along with the FTC Identity Theft Report, and Identity Theft Victim 's Complaint and Affidavit ) to XXXX and TransUnion, never conducted a human investigation. Instead, XXXX and TransUnion reduced all my evidence to a three-digit code and used an automated system to " investigate '' my dispute. The alleged creditors " verified '' the information as accurate. I've asked XXXX and TransUnion to provide me the " Method of Verification '' and both are entirely unresponsive to my requests. Have submitted repeatedly disputes the same accounts over and over and they have not given resolution to my disputes and now have been locked out of my on-line account. Initially, XXXX appeared to have conducted a human investigation, and initially deleted the disputed items but then placed them back on my credit profile AFTER having determined they were subsequent to identify theft.

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 2022-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pull my credit report and saw that I had some accounts that wasnt mine.XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX date open XXXX XXXX  account number XXXX date open XXXX file a identity theft report with my official statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I called to make my monthly payment to XXXX XXXX Bank for my XXXX XXXX   account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX listed my account in XXXX and XXXX as XXXX days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to XXXX XXXX, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by XXXX XXXX even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as XXXX XXXX is reporting the wrong information to the credit bureaus.

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 2020-11-28
Company: EQUIFAX, INC.
State: CT
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-10-06
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In 2018 my Discover card was closed due to no fault of my own. I attempted to add my discover card to a debt consolidation plan and was denied entry into the program because they didnt agree with the reduced interest rate terms. Shortly after that my card was closed and I never received a letter from them stating why. 

During that time, I never missed a payment and ended up paying the card in full. And now when I apply, Im getting told that my card was revoked and to keep trying and that there is nothing they can do. 

I pulled all my credit reports and none of them are saying that my card was revoked. 

It isnt fair, but it seems like I will constantly be denied even XXXX XXXX years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: GA
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:
AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.

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 2022-11-04
Company: EQUIFAX, INC.
State: GA
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:
I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Goldman Sachs/Apple Card suspended my account and locked me out of it for reasons unknown. This has been going on for weeks. When I contact them they say my account is under review and someone will reach out to me. I've never missed a payment and rarely even use the card. 

Since my account is locked I have no access to my account at all, not via the Apple " Wallet '' portal they make you access your account from, nor online. I can not see if purchases are being made or when my payment is due, nor can I make a payment on the account. 

I don't know when my payment due date is or if I'm going delinquent on the account, I may have been assessed late charges already but do not know as I can not access my account at all. 

This is a terrible consumer business practice and will cause many consumers financial harm in the form of late charges, possible over limit fees, and potential delinquency on credit reports. And, Apple/Goldman is making more interest on the account since I can not make payments at this time since they locked me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of Equifax Data Breach. I demand to remove those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM 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 EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM 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 XXXX XXXX XXXX, XXXX 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 SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account on my credit, XXXX XXXX, that is the result of identity theft. I have requested the credit bureaus block the item from my credit report, but they have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was dealing with an dispute made on XX/XX/2019 regarding transactions made while I was at work and one particular transaction was at an ATM machine where there are cameras. I spoke with an account specialist who open up the investigation in the amount of {$240.00} and change. Well yesterday I was suppose had a call back from her supervisor which she closed my dispute after I reported the company to the better business bureau three times.

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 2020-07-10
Company: Asset Recovery Solutions, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2020 I received a call from Asset Recovery Solutions ( ARS ). The representative informed me that an account with a past due balance of {$520.00} was placed in their office and demanded payment. During the call, the representative informed me of the mailing address listed on the account. I advised that the address he provided is no longer my place of residence and gave my current address. The representative continued his attempts to collect the alleged debt. He acknowledged that I have the ability to pay a lower amount than what is allegedly owed and advised after placing me hold, that his manager would allow him to settle the account for {$420.00}. 

After communicating with the representative, I wanted to research my rights as a consumer as it relates to what debt collection practices are legal. I do not recall the representative stating the " XXXX '' XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. Furthermore, I have not received an initial notice letter, but I have received multiple calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'd like to file a complaint against Citibank for closing down my Savings account XXXX on XX/XX/2019 based upon an overdrawn status. The negative balance of {$59.00} were all service fees billed by the bank during the past two months due to XXXX balance in the account. 

When I opened the account with Citibank Online on XX/XX/2019, I did NOT believe the account was fully opened and therefore no initial deposit was made to the account. Because I had neither full access to online banking nor any mail correspondences from the bank I could not see the status of the account. However on the statement dated XX/XX/2019, I did notice two fees were billed to my account : {$25.00} Monthly Service Fee, and {$34.00} Overdraft Fee. This resulted in a negative balance of {$59.00} which had turned my account into overdrawn status. On XX/XX/2019, a letter arrived stating that my account was closed because of the negative balance and I am still responsible for paying the overdrawn amount or Citibank may take adverse action.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2022 - I sent a communication through the XXXX XXXX, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. 

I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.

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 2019-10-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have emailed and faxed the authorization to XXXX XXXX XXXX  multiple times over the past month and XXXX XXXX XXXX  claims they have never received it even though we have talked to multiple people, and been given multiple and different fax numbers and email addresses.

*****There is a FORECLOSURE AUCTION IN TWO DAYS AND XXXX XXXX XXXX IS REFUSING TO SPEAK TO US AS AN AUTHORIZED THIRD PARTY********* Today, we spoke to a manager who supposedly gave us her personal fax and assured us she would call uW back the moment she received it. Guess what??? -- -- NO CALL BACK FROM MANAGEMENT EITHER. XXXX XXXX XXXX has been playing this Authorization Game with us for over a month. Seems the only way they will acknowledge receipt of our authorization is to file a CFPB complaint, so here it is.

I expect XXXX XXXX XXXX to be fined appropriately for this purposeful deception and fraud. If the CFPB or any other government entity would like a full and complete list of the multitude of issues we have with XXXX XXXX XXXX on EVERY SHORT SALE FILE WE HAVE EVER HAD WITH THEM, they need only to ask.

I expect this authorization to be attached to the file IMMEDITAELY AND WITH NO FURTHER DELAYS OR EXCUSES!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I reached out to NCC Business Services regarding an debt with a Apartment I had back XX/XX/2016 with my ex girlfriend. I called to see about settlement woh them I was told no this account can not be settled for anything less. The XXXX the phone was rude acted very non chalant said your working you dont need a settlement if oh were out work we could do something. So I questioned him telling him if I was unemployed wouldnt be able to do anything. Im working need this matter taken care of in a timely matter willing to do 60 % of {$2800.00}. I have a family to provide for ready for this blemish to be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
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: Personal information incorrect

Complaint:
I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.

Company response to consumer: Closed with explanation