BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/2018, a call was placed to XXXX XXXX XXXX XXXX at ph # XXXX at XXXXXXXX XXXX central standard time. The bank agent told me electronic checks ( ending account # XXXX ) and credit card ( XXXX ) come be done by phone and she gave routing and account number for transaction. Yesterday, I received a call from ( XXXX XXXX XXXX which manages -XXXX  XXXX XXXX ) that the check was insufficient and ask if I could do a credit card payment. XXXXXXXX XXXX  continued to do the transaction by visa 123 credit card own by XXXXXXXX XXXX  XXXX only be declined. XXXX XXXX called me once again and told me about the declined transaction and advised me to proceed to XXXX using their account number ( ending in XXXX ) and Id ( XXXX ). While XXXX XXXX Rep was ( XXXX called from XXXX at XXXX, I was able to view their app on line ( XXXX-power by XXXX ) per the app showed XXXX charged me an INSUFFICANT of {$50.00}. I told XXXX, insufficient is no money in the account that is false and misleading information and therefore, per the bank the pay address was incorrect when XXXX XXXX XXXX the payment and credit card transaction. XXXX advised me that It would be corrected for the NSF charge tomorrow but, she could not do it today because she had to leave the office immediately but, to get to XXXX to avoid the late payment charge on the tomorrow. I proceed to go to XXXX location on XXXX XXXX XXXX XXXX, Texas ph # XXXX the XXXX agent tried three times to process the account number given by XXXX XXXX ( XXXX XXXX XXXX ) Per XXXX I am not listed as a resident in their system and payment could not be processed. I proceed to get a money order for ( XXXX XXXX XXXX which state they don't take money order anymore as of four months ago and payments can only be made through their ( ENTRA XXXX   app or XXXX ) neither worked I sent an email and left a message about the related issues to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I then called US Bank to find the reason behind the errors spoke with supervisor XXXX and he advised that his agent made a mistake because they don't do electronic checks only deposits. I told XXXX they owe me for the {$50.00} insufficient fee and he stated, " Sorry -the bank is not set up to pay for errors on our part! He stated, You address was incorrect that is why your credit card payment didn't go through. I told XXXX ( agent # XXXX ) my account had my new address on file what is going on. He stated, I can get that address update! This is FRAUD! So, both XXXX and US Bank proceed to defraud customers

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 2022-01-10
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple hard inquiry from Navy FCU that I am not aware of. The dates are XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION XX/XX/2021 to obtain a charge card on credit. NAVY FEDERAL CREDIT UNION falsely and illegally turned this consumer credit transaction into a loan in which they are now attempting to collect on an alleged debt that I do not owe as a consumer. During the CREDIT application process I submitted my credit card ( social security number ) which was used to access monies from my account at the treasury. In this consumer credit transaction I have an open end consumer credit plan in which NAVY FEDERAL CREDIT UNION repeatedly obtains money from my account at the treasury to cover charges on my charge card ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Dyck-O'Neal, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was told by my 2nd mortgage company XXXX XXXX XXXX or XXXX  XXXX  that they sold my loan to Dycko'neal that my balance was XXXX that my first payment with them was going to be on XX/XX/2021 I tried to make a payment and call them. the woman that answer told me that she did not have any information on the account that it was new that they will send me a letter. 
the first letter they send was confirming the same amount XXXX but on XX/XX/XXXX they send me a letter saying that they made an error and that I owe them XXXX because of interest, how is this possible from one month to another I don't understand is this even legal not once they ask me if I was to pay the whole balance of XXXX and they never told me what interest they were going to charge if I did not pay the whole XXXX with my prior XXXX  XXXXXXXX XXXX I was paying XXXX a month no interest afterI modified my first mortgage with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in 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 non-monetary relief
Consumer complaint received 2018-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 informed all three agencies that I have been a victim of id theft and requested that the items be deleted with no result I have even given the name of the suspect. one company, XXXX even has the same item listed twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: AR
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 have checked my credit report and I've seen so many inquiries on my XXXX   and experian so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!

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 2018-08-07
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt of {$42.00} was placed on my credit report for something that they claim i've owed since XX/XX/2013. The collection agency is Ability Recovery Services LLC and the client name is XXXX  XXXX XXXX XXXX. I have no idea what this is. I looked it up to see where the company was and I'd never been to either location. I never got a bill. I never got an explanation of charges. Only this negative mark on my credit. XXXX XXXX and XXXX   have deleted this debt. XXXX  did not. I need this removed ASAP as I am in the process of purchasing a home.

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 2020-06-21
Company: EQUIFAX, INC.
State: FL
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:
On my last report from Equifax ( 2020 ) there was a single line statement that reflected the use of my report to XXXX. This was not specifically authorized by me nor had I ever heard of this credit bureau. I have since contacted them directly and through CFPB. The purpose of this notification to CFPB is they ( Equifax ) should be held accountable for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: AR
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 have checked my credit report and I've seen so many inquiries on my XXXX and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: MA
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 an account on my credit report with XXXX XXXX. It was in default and is negatively affecting my credit score. It has been paid in full. The item has been on my credit report for more than 7 years, and should be deleted. I took this up with both Experian and XXXX XXXX, to no avail.

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 2022-08-29
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:
In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told Equifax and XXXX this and they are not removing it from my credit report. I can not contact XXXX because 1 ) I have to leave a voicemail and No one ever responds and 2 ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX Fraud money. 

I sent {$160.00} to him for buying XXXX XXXX  ticket. 
When I sent money to him, he never answer to me. How can I refund money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
ON XX/XX/XXXX I WENT TOFIRST FINACIAL BANK THE BRANCH I BANK WITH AND WITHDRAWLED SOME MONEY OUT OF MY CHECKING ACCOUNT BECAUSE I WAS LEAVING ON XX/XX/XXXX TO GO ON VACATION WITH MY FAMILY I AT THAT TIME TOLD TELLER TO MAKE NOTE I WOULD BE TRAVELING THRU KENTUCKY TENNESEE AND VIRGINIA AND NORTH AND SOUTH CAROLINA IF CARD WAS NEEDED TO BE USED ON XX/XX/XXXX I RECIEVED A TEXT MESSAGE ABOUT MY CHECKING ACCOUNT I IMMEDIATELY CALLED THE 1866 NUMBER TO SEE WHAT WAS GOING ON AT THAT TIME I WAS TRANSFERRED TO MY BRANCHAND TOLD I WITHDRAWLED OVER XXXX SOME DOLLARS WHICH BY FAR WAS NOT TRUE I NUMBER ONE WAS NOT ANYWHERE NEAR TEXAS WHERE THESE CHECKS WAS FROM THE BANK MANAGER WAS VERY RUDE ON THE PHONE TO ME ACTED AS IF I WAS IN THE WRONG I WAS TOLD TO FILE POLICE REORT AS SOON AS I RETURNED ON XX/XX/XXXX I DID THAT THE SAME MORNING I WENT TO MY BRANCH AND WAS TREATED THE SAME WAY WHEN CLEARLY I WAS A VICTIM OF IDENITY THEFT FROM THAT DAY ON I HAVE HAD NO ASSISTANCE THRU BANK NO CALLS NOTHING LETTING E KNOW WHATS GOING ON ALSO I HAVE XXXX BEING KEPT FROM ME FIRST IT WAS TO INVESTIGATE NOW ITS THE BANKS TO KEEP BECAUSE I WAS OVERDRAWLED I CALLED ON XX/XX/XXXX AND WAS ASKING QUESTIONS GOT TOLD 3 DIFFERENT VERSIONS WAS TOLD MY MONEY STILL WASNT AVAILABLE AND WAS THERES AND AFTER I HAD TO CUT HER OFF AND TELL HER THE VIDEOS SHE HAD OF ME AT BANK WAS MY MONEY I WITHDRWLN THESE CHECKS WAS DONE THRU ONLINE BANKING MOBILE BANKING I DO NOT UNDERSTAND HOW A BANK CAN ALLOW 3 CHECKS TO GO THRU THAT DO NOT EXISTS ANYWHERE AND HOW THEY DIDNT STOP THEM BEFORE IT GOT THAT BAD AND WHY MY MONEY HAS NOT BEEN RELEASED I HAVE CONTACTED A LAWYER AND HE IS LOOKING INTO IT AND STILL AS OF XXXX TODAY THAT BANK MANAGER HASNT RETURNED MY CALLS SO I KNOW THEY KNOW THEY MESSED UP SOMEWHERE IM THE VICTIM BEING TREATED LIKE A CRIMINAL

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 2022-08-29
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: Account information incorrect

Complaint:
On XX/XX/2022, I received a Credit Alert from Experian .com indicating that my XXXX XXXX XXXX XXXX XXXX XXXX Account Balance ( for my first mortgage ) increased to {$190000.00}. 

For the month of XX/XX/2022 my current Principle Balance for my XXXX XXXX is {$190000.00}, which is {$4800.00} less than what XXXX has inaccurately reported to the Credit Bureaus. 

On XX/XX/2022, my Credit Score decreased by XXXX points. 

I am respectfully requesting for XXXX to accurately and expeditiously report my Principle Balance of {$190000.00} to all Credit Reporting Agencies ; Expreian, XXXX, and XXXX so my XXXX Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.

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 2018-12-19
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has called my phone daily for over 5 years. This has resulted in thousands of phone calls to my phone. I am being harassed. I am not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Remex, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation