BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: U.S. BANCORP
State: OR
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: Problem with personal statement of dispute

Complaint:
I bank at United States Bank in XXXX XXXX, oregon. complaint is I've been with over 10yrs and never have over drawn or behind of paying my credit card off. I have a debt and credit card? Several time I have ask for increase of XXXX 's and turn down all the time. There looking at credit score which is fair etc. There not looking at the my history with there bank. This is want there judging me for. Went to the manager of the bank and she gave me XXXX excuse. I don't believe her at all. This is not fair at all. I have another credit card with good standing and they increase my limit. Yet my own bank won't increase my limit... Pleas what can you do about this. I even card the credit sevice and took down my infor 2weeks later they turn me down

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 2022-07-19
Company: Experian Information Solutions Inc.
State: PA
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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-09
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: OH
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/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX i sent letters regarding inaccurate and unknown information on my credit report. To this day 5 months later i have not received a response nor proof of contract or application regarding accounts. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and has been over 5 months. i demand these accounts be deleted immediately or i will file for litigation due to 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 2020-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is a followup on previous Experian complaint # XXXX. Experian said the data furnisher verified that the disputed information was accurate as reported.???? How could anyone verify after reviewing the documents? Experian needs to review the following since XXXX XXXX XXXX XXXX refuses. XXXX  XXXX XXXX XXXX withholds information and drags any investigation 3 1/2 years later. Experian needs to be advised XXXX XXXX XXXX XXXX quickly calls everything a duplicate complaint as they will probably do with this complaint. EVIDENCE - Attached is two applications for two cars purchased in my name. Same day and same dealership. Both applications are incomplete. The phone number and email address is not mine. One is dated XXXX and the other is not dated. One list salary as {$25000.00} and the other list salary as {$300000.00}. One reflects self employed ; the other reflects employed. Credit report is dated XXXX ; one day prior of authorization. Neither was to be processed as reflected on the application and neither had permissible purpose to pull my credit. Then two fraudulent contracts were executed in my name.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This stems from a fraudulent medical bill from XXXX XXXX  for services never rendered. I have beaten this fraudulent bill twice in 4 years from other creditors trying to get a quick payoff or they would ruin my credit. Capio partners has made it there goal to completely harass me for the last 3 weeks by consistently bombarding my credit report with almost {$3000.00} in small increments.The original bill was less than {$1000.00}? but every time I fight and get one knocked off my credit they come right back with more fraudulent hits. I dont understand how I keep beating them but they can put whatever lying, fraudulent and corrupt billing on my credit report and it is not even being monitored? Do we have no protection against our credit? How many times do I have to get this knocked off my credit and how many times do they have to come back with more false allegations. Eventually there going to state that I owe them {$100000.00}? Why do they have the right to put whatever they want on my credit report? What gives them the right to totally mess with peoples lives for a small payoff??????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded by phone to a mail promotion from Citibank to open a Citi XXXX XXXX XXXX Account. I used the personal invitation code provided in the document XXXX. The promotion offered a {$450.00} bonus on new funds over {$50000.00} that remained there for 60 days. The application was received by them for the opening of account XXXX on XXXX XXXX XXXX Funds well in excess of that amount were deposited on XX/XX/XXXX ( per statement ) remaining there until XX/XX/XXXX. I called several times inquiring when my bonus would be paid and on XX/XX/XXXX was told ( by XXXX ) I met all the requirements and would see the bonus in no more that 15 days. I then received a letter saying I did not open the right kind of account, although all I knew from the mailing was to open the account as titled in the mailing using the invitation code to qualify. I called to appeal speaking with XXXX ( XXXX ) and received a letter mentioning a promotion code not mentioned in the mailing. I called again to complain and again received the same letter. 
After 5 months of calling Citi for the {$450.00} I transferred the balance to another bank but feel I fully met the terms of their offer and am entitled to the bonus.

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 monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NY
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Their investigation did not fix an error on your report

Complaint:
Ive disputed items on my credit report with Experian after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. Experian never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am XXXX XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party. 
I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor. I have been negative information being reported by TRANSUNION XXXX XXXX XXXX. as of XX/XX/2021 they removed the disputed items which is XXXX # XXXX and XXXX XXXX # XXXX. I was notified of this transgression of my rights specifically 12 C.F.R 1006.6 ( d ) ( 2 ) of the FDCPA. According to 15 US code 1692 ( c ) ( a ) TRANSUNION XXXX XXXX XXXX, adverse actions against me violating my rights of which civil damages pursuant to 15 US code 1692 ( k ) damages are up to {$1000.00} per violation, pursuant to 15 US code 1611 ( 1 ) damages are up to {$5000.00}. TRANSUNION XXXX XXXX  is now civilly liable to pay me up to {$12000.00} for damages.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an issue with the way USAA applied my {$760.00} in payments on my account. I have a promotional balance on my account which dates back to XX/XX/XXXX. Since then USAA has been applying my payments arbitrarily mostly to the promotional balance and not paying off my purchases balance. I really hadn't paid any attention to it until this recent statement. I used their card while traveling abroad. The minimum payment had been met on the card in XXXX. However, once I got home, I paid 2 payments one for {$200.00} and the second payment in the amount of {$560.00}. The total purchases made during the XXXX statement were {$830.00}. To my surprise on my XXXX statement, I was charged interest on {$690.00} in purchases. Of the {$740.00} USAA applied {$590.00} to my 0 % promotional balance and {$160.00} to my purchases with a 17 % interest rate. As I looked back through my statements this has been an ongoing trend. I would pay over {$100.00} a month and instead of paying off the small balance of {$13.00} for XXXX. They would apply the bulk of it to the promotional balance and leave a small purchase fee to charge me interest on. 

On the XXXX statement that 0 % promotional balance was {$4900.00} ; The XXXX statement my promotional balance is {$4300.00}. After calling a couple of times and receiving the run around I decided to file an compliant. According to the Credit Card Accountability and Disclosure act passed in XXXX ; after the minimum payment is met the creditor must apply payments to the balances with the highest APR 's. I was told there was nothing a rep /manager could do to adjust or fix this error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2022, i purchased an XXXX XXXX with the awesome help of US Bank. I never received any mail, email or instructions/info to make my payments. So i called XXXX myself to get the US BANK number and asked how to set up my payments. I provided the info and every month made my payments. Only to find out, the payments were being rejected because another name was on the account and their banking info was being used to send payment to MY loan account. My car was then repossessed and i didnt find out this info until after the fact. This information is listed in the notes on my account. They have refused to remove the late payments after to admitting to it being a mistake on their end. My credit score has dropped over 160 points and ruined my credit and aspects of my business and my life. I've disputed this and called hundreds of times to get a fair resolution, only to be passed around to multiple reps and no follow up. My credit was around 760 when i purchased the vehicle. In no way would I not make my FIRST 4 or 5 payments on a car i just bought.

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 2022-07-19
Company: EQUIFAX, INC.
State: NC
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 submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$35.00} ; XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX Balance : {$47.00} ; XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$70.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : FIRST XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX XXXX XXXX is the lender for my mortgage. In XXXX I called them to request forbearance under the XXXX XXXX. When I called to request forbearance, the operator told me that by requesting forbearance it would impact my ability to obtain loans and asked if I wanted to proceed. I asked her why and how if technically under the XXXX XXXX, the lender is supposed to continue to report the payments as being current if the borrower has been current on their mortgage. She then told me that it was up to the credit reporting agencies to decide how they would report the information on my credit report. I again asked her for more information since XXXX XXXX is not supposed to change its reporting. She ended up telling me that XXXX XXXX would most likely not extend credit to me during this time and asked if I wanted to proceed. I said yes. As we were going through the process, she also explained that after coming off of forbearance I had the option to pay it back in a lump sum before describing other options. She then read me the other options. During my time in forbearance, I received mailings telling me I was at risk of foreclosure. When I called back about two weeks ago to request to remove forbearance, the operator led with a lump sum payment first and asked if I wanted to proceed. I told her I wanted all my options read before I picked which was best for me. After going through the process, the operator also told me that I had to wait a few days to fill out paper work that would be available through their E-system and was told NOT to make a payment until the paperwork process was complete. She also said the papework had to be physically signed and returned by mail. This process is not yet complete though I have returned the paperwork. I went in today, XX/XX/XXXX, to check my credit reports and XXXX has a line next to my mortgage that states : " deferred, payment date not reported ''

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 2017-08-24
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase deactivated an account just as bitcoin prices jumped. Seems like more than a coincidence. I could not buy or sell and 4 days later still ca n't buy or sell. Terrible customer support. No way to contact them directly.

Company response to consumer: Closed with explanation