BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Team I have had Credit monitoring service with Experian for several years and I had paid a monthly subscription fees for it. However, my subscription fees jumped to {$17.00} suddenly in XXXX. When I tried to call the customer service for an explanation and cancellation, there is a wait time of over 2 hours irrespective of the day and time of the week I call. I made several attempts trying to connect to the customer service and could never get across to them. I can not cancel my subscription online and have to rely on a non-existent customer service line.

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 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute all fraudulent inquiries on my credit report. After a thorough review, it has come to my attention that there are unauthorized inquiries that I did not initiate. I request a prompt investigation into these discrepancies and urge you to remove the fraudulent entries from my credit report. The accuracy of my credit history is crucial, and I believe resolving this issue is essential to maintaining the integrity of my financial standing. I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of the investigation. Thank you for your immediate assistance in rectifying this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/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 2019-06-20
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my boyfriend 's payroll check, through the US Bank app. They are holding the funds. Saying it's because of fraud protection. I've called customer service twice and got different answers. We went in and saw a branch manager. He just gave us, the run around. The check was deposited Friday at XXXX and here we are, still no access to his money. We both went into the bank and showed proper I.D . It's a check from XXXX XXXX, which is a billion dollar company. Clearly the funds are valid. We were expecting available funds by Monday and still nothing. US Bank is just giving us fake promises and we need the money 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information being reported inaccurately requested method of verification such as original documents, signed applications, or forms with no response I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. He also stated that once I receive this information, he would like to review it. Please send ASAP.

Company response to consumer: In progress
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase Bank violated terms of Service. 
Chase Bank agreed as stated in the contract to be available by phone. 
Chase Banks as insulated itself by not allowing customers to reach them by phone and is operating in areas and locations, where they do not have any banks. 

I tried to reach Chase Bank only to be connected to an automated phone service, which tells you that there is non one available to answer the phone call, and then hangs up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My husband and I both had checking accounts with BBT ( branch banking and Trust ) now known as Truist. I noticed that for both checking accounts {$30.00} was deducted each month, totally $ XXXX  monthly since XXXX. Apparently the bank had signed us up for accounts that require $ XXXX minimum balance. We have NEVER had that amount in our checking accounts. Once we refinanced in XXXX, the bank started charging us as we no longer had a mortgage with the account. Neither of us noticed this charge as the amount was so small each month and it was listed as " maintenance fee '' online. We both assumed if was for our son 's apartment at school. Truist calls me weekly to offer new products and not once were we informed about this fee. 

We met with branch manager XXXX XXXX on XX/XX/XXXX. We requested an investigation and he stated he would have to file it on our behalf and someone would reach out to us within a week. I have been emailing XXXX weekly and have yet to hear back from someone at the complaint department. 

When we met with XXXX on XX/XX/XXXX, he informed us the type of checking account we had that charges the XXXX XXXX monthly maintenance fee is no longer being used by Truist. We have concerns if that is true, then why were we still be charged monthly for an account they no longer utilize. It is very shady practice. I am sure we aren't the only people who are being charged and have no idea.

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 2021-06-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed a wrong collection item on my Experian credit report. Experian wrongly placed that the collections item was discharged through bankruptcy, this item was post bankruptcy and I was not responsible for the collections item. I called to have it corrected, I spoke to several different people, they investigated and it came back with no changes on my credit report. It still says discharged through bankruptcy. My family is trying to refinance our home and this is the only credit bureau that is showing almost 100 points less then the others due to this mishap. Its very frustrating!

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 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I SUBMITTED UNAUTORIZED CHARGES ON MY DC FOR DISPUTE, WAS NEVER NOTIFED BY CAPITAL ONE ABOUT THE RESULTS OF THE INVESTIGATION UNTIL THE CREDIT WAS REVERSED AND I CALLED, THEY TOLD ME THAT THEY HAD IT FILED AS UNRECOGNIZED CHARGE...WHICH IS NOT HOW IT WAS SUPPOSED TO BE SUBMITTED.. THEY DIDNT REACH OUT TO ME ABOUT MY DISUPTES UNTIL 11/19 WHILE I WAS AT WORK, THE HAD ME PULLED OFF THE PHONE TO DISCUSS AT WORK WITH MY HR DEPT.. THE END RESULT WAS THEM STATING THAT I WAS FILING FRAUDULENT DISPUTES. SO I WAS TERMINATED. MY CREDIT HAS BEEN RUINED BECAUSE OF THIS ACCOUNT AND CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: U.S. BANCORP
State: NH
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:
1 1/2 years ago my identity was compromised resulting in this on my credit XXXX US BANK XXXX CC Opened XX/XX/2016 {$1700.00} I want it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, 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:
I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A couple of years ago I had XXXX XXXX XXXX Cable TV and Internet When I moved back to Florida I called XXXX XXXX XXXX to cancel my subscription and ask about the last day of my service month. After being told I paid the account to date and XXXX XXXX XXXX sent me instructions as to where to take the equipment which in this case was to any XXXX  XXXX. Once I returned to Florida I took the equipment that a return was required to my local XXXX  XXXX. I have been receiving these collection notices for a few months now and have talked with a rep from this company IC Systems and told them I refuse to pay for a debt I should not owe! I did want I was suppose to do. I have dealt with XXXX XXXX XXXX in the past with my cell phone and I left them because they can't keep billing straight. This is another example of their incompetence. I want this removed and the collection efforts ceased!

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 2021-08-31
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XXXX  AND WESTERNUNION FAILED TO FIRNISH ( MTCN ) NUMBERS FOR 3 FRAUD INDUCED SPEED PAY SREE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo Bank ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call XXXX. I called XXXX and they said they can not remove inquiries and to call Wells Fargo. So there is nothing I can do except go online and tell everyone not to use Wells Fargo and not to subscribe to XXXX as there is an endless loop there with no help.

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 2022-04-08
Company: EQUIFAX, INC.
State: NJ
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 Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Alliance Collection Service
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the hospital at XXXX XXXX XXXX XXXX for 8 days in the later part of XXXX and the first part of XXXX in 2017. 

Because of my financial situation, I applied for and received charity from XXXX XXXX XXXX XXXX for this hospital stay. I am including the three letters that I received for charity, which includes the amounts and the dates of coverage. 

Last month Alliance Collection Service in XXXX Ms , put 3 collections on my credit report that was from these dates. They are as follows : XXXX XXXX   {$620.00} -- -- -XX/XX/2017 XXXX XXXX {$770.00} -- -- -XX/XX/2017 XXXX XXXX XXXX {$680.00} -- -- -XXXX 2017 I have contacted XXXX   XXXX  and they have referred me to the Medical Billing Office to where the charity dis located, There is not a number for XXXX XXXX XXXX that I can find except for the main hospital phone number. 

I have spoken with XXXX and XXXX/XXXX ( not sure ) at the Medical Bulling Office and have faxed 6 pages showing the collection letter form Alliance and my charity letters. They have been professional and told me that they would contact Alliance, but I have not received any letter confirming this and the charges are still on my report. 

The numbers that I have are : Alliance Collection Service -- XXXX XXXX XXXX -- XXXX Medical Billing Office -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
According to my chexsystem report I have one issue XXXX XXXX because this accounts open fraud my cousin XXXX XXXX who lives with me since XXXX until end of XXXX ( same Address ) used my identity with out my permission I report to XXXX XXXX also I explained to chexsystem but unfortunately Chexsystem dont give me right answer

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 2021-08-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My first letter dated XX/XX/2021 : On XX/XX/2021, my initial letter I stated : reporting and publishing inaccurate and incomplete information ( " tradeline '' ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs, jobs, and loss opportunity. 

The following accounts you are publishing about me is inaccurate and incomplete because Wrong Accounts Numbers, Incorrect Balance, Missing Information, Incorrect Credit Limit, Status or other field blank, Date of last activity incorrect, Collection account listed with a limit, but a collection can not have a limit, Late pays after an account was closed and Charge off listed as " open '' or collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My Second Letter dated XX/XX/2021 ( Uploaded ) : By not replying in a timely manner to my initial letter on XX/XX/2021, you ( Equifax ) have not only violated federal and state laws, but failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed items ins entirely inaccurate and incomplete, and represents a very serious error in their reporting. See upload attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm filing this complaint against this company today because they are and have violated all of FDCPA rules and regulations when it comes to collecting payments. The branch manager especially, XXXX. She is very rude and very unprofessional. I had gotten a loan from this company in XX/XX/XXXX, she was very rude when going over the paperwork. I missed my first payment and advised them that I would be late, the employees called me everyday, I wasn't even 30-days late and they contacted all of my references along with leaving voicemails and on top of calling me during my work hours which I had given and advised when would be the best times to reach me, which was completely ignored. XXXX and he employees harassed me by calling me over three times in one day, leaving me voicemails all in that day, and calling my references and leaving them voicemails as well. My references called back and advised to remove their number from the list and was told that wouldn't be contacted anymore. Today, XX/XX/XXXX XXXX contacted me, she and i talked I advised that a payment was already made online, she still called my job, left a message with my boss, and called my sister after she was informed a month prior to remove her number, which was completely ignored. XXXX, also made an attempt to sabotage a loan I was getting with another company by contacting them back and advising them not to give me the loan, which again is against consumer loan policies. I have forwarded all of this information along with the the phone calls and voicemails over to my attorney and which we will be proceeding to file legal actions against this company for harassment. I no longer want any dealings with this company and I advise that they make no further contact with me. I advise to speak with my attorney.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus XXXXXXXX XXXX XXXX to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX 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 2022-04-08
Company: Experian Information Solutions 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:
Care Act violation XXXX XXXX XXXX U S DEPT OF EDXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation