BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have issue with U.S. Bank I been charged more than one fee for a single overdraft. 
XXXX XXXX they returned the fee but by that time they took the fee and made my business account to go un paid . U.S Bank turn around and charge my account again for the same transaction, this cause my business account to lose vendors. On XXXX I deposit {$100.00} all these overdrafts took my account over again then U.S. Bank put another overdrafts back to back XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these charges of {$36.00} each has cause my account to continue overdraft

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 2020-04-26
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: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked the credit bureau to verification on everything on my credit report. 
They replied back stating that every thing was accurate. 
I did research myself and fought improper inaccuracies on my reports. 

1.XXXX  : XXXX Account type is incorrect. 

2. XXXX XXXX XXXX : XXXX Number of late payments reported is incorrect, Update to never late. 

3. XXXX : XXXX I was never 30 days late on this account, Please update to paid /never late. 

4. XXXX XXXX XXXX XXXX The account balance is incorrect. 
5. XXXX XXXX XXXX : XXXX The payment status is incorrect /High balance is in correct. 


6. XXXX : XXXX The first date of delinquency is incorrect 7. XXXX : XXXX I was never late during the months shown, Please update to never late. 
8.XXXX XXXX XXXX  XXXX Account is OPEN 9. XXXX XXXX : XXXX THIS Account was paid in full BY XXXX a letter was furnished from the company to the three bureaus. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-11-07
Company: Experian Information Solutions Inc.
State: CO
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:
All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) Experian to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to XXXX XXXX directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Complaint : ( XXXX/XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

TransUnion must remove all information reporting from and relating to ( XXXX/XXXX ) including third party debt collection accounts associated with ( XXXX/XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 
XXXX/XXXX TransUnion Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : 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 explanation
Consumer complaint received 2018-06-10
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.

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 2021-11-08
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:
Reviewed my credit report and XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while experian and XXXX reports its and open account. Funny how experian payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness experian incompleteness and XXXX has XX/XX/XXXX. 
Second XXXX XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished inaccurate information!!!!!

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 2019-01-15
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Key 2 Recovery Inc at XXXX XXXX to get my account information so that I can pay off a debt. They gave me the information and I told them I would get the bill payed in full. Then at XXXX XXXX I received a call from them which I declined due to being at work. Then I received 4 more calls at XXXX, XXXX, XXXX, and XXXX. They called me 5 times within 13 minutes! That is harassment and it is NOT okay. I answered the phone on the 5th call and told the person I was working and can not make the payment until later. I use to work for a collection company. I know this is wrong, especially since I had already spoke with them and told them I will be paying. This is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report. I have XXXX unauthorized inquiries on my report. XXXX from ( WF CRD SVC ) on XX/XX/2021 and XXXX from ( XXXX XXXX  XXXX XXXX on XX/XX/2021. I did not make these inquiries. I am a victim of fraud, and will like to get these inquiries removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive contacted The Money Source and reported issues multiple times regarding escrow being placed on my account when my closing documents clearly indicate that my mortgage does not include escrow. Ive spoken to many representatives, managers on both the mortgage and insurance side and this issue is still not resolved. An overpayment in the amount of {$880.00} was made last month to partially cover insurance amounts totaling {$1700.00} that were paid out without my or my husbands permission. Now I received another statement saying my escrow account is short {$1500.00}. The remainder of the {$1700.00} ( that was paid without permission ) after paying the {$880.00} last month, would be {$890.00}. TMS needs to be cited for unfair business practices and this issue needs to be immediately resolved. Ive requested resolutions in writing multiple times and managers have refused. The last excuse that was given by the manager on the insurance end, was that they dont have the ability to free type a letter. Ive also requested additional manager call backs and no calls have been received. I am considering refinancing just to get away from TMS. Its disgusting to think that Ill be forced to pay closing costs yet again because of a companys unfair business practices. They should be fined for knowingly converting a non escrow mortgage to an escrow mortgage without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: EQUIFAX, 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:
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and Equifax and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I received an email from Experian saying that my credit score had dropped. I logged into my Experian account and after reviewing it carefully realized that the problem originated from a vehicle lease that I hold with XXXX XXXX XXXX. XXXX had changed their policies on how they determine each leaseholders credit with the effect of dropping my credit limit by {$15000.00} overnight. They did this because they want to show the lessee 's credit limit as the balance left on their lease. The problem with their strategy is that it effectively lowers the lessee 's credit score every time they make an on time payment on the lease. I have reached out to XXXX to no avail and have submitted a separate complaint through CFPB to them. 

However, I also tried to reach Experian repeatedly to notify them about the problem and ask them to get involved. I called their office on XX/XX/XXXX at XXXX XXXX   EST when their office hours showed they would be open but I was told by the automatic system that there was an hour wait. I called the next day when it first opened ( XX/XX/18 at XXXX XXXX ) and was told that there was a 5-7 minute wait. I waited for 46 minutes and no one ever answered the phone nor was their an option to leave a message or have a call back. I entered queries into their website but nothing happened and there is no live chat option. I am furious that I can't reach them in person and this policy punishes the consumer for making timely payments on their lease. what a sham!

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 2023-06-12
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:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chronic 'disputed ' credit card charges on Statements and my online account from my XXXX Chase Bank Card of resolved disputed/unauthorized use by XXXX of {$89.00} on XX/XX/XXXX or XX/XX/XXXX, & again an alleged charge on XX/XX/XXXX by same company. 
Each time I receive a call from Chase or see charges on my statements, regardless of the resolved disputed/unauthorized charges, I have to keep disputing ( this same charge has been happening for five months now, as this 2x 's resolved charge from XXXX of {$89.00} keeps reappearing on my statements ). 
I have already received two ( 2 ) letters from Chase Bank Card Services telling me my dispute for the unauthorized {$89.00} charge from XXXX has been 'RESOLVED ' : *1st Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX charges, and *2nd Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX ; *both of these disputed charges are from the same XXXX company and all appear to be near the same date. 
Regardless of letters proving the disputed company 's fraudulent charge has been resolved, it keeps showing back up on my statements with a different date. 
I'm wondering if the company, XXXX, is fraudulently charging my account on all these dates, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX of {$89.00}, or what is going on at Chase Bank Card Services. 
Despite these charges, I have never received anything or product from the charge, nor did I authorized any use of my credit card from disputed charge companies. 
Also, be aware that the XXXX Chase Bank Card account has done this to me before, with an unauthorized charge of {$39.00} from XXXX XXXX   back in XX/XX/XXXX that was disputed and resolved. This disputed & resolved unauthorized charge kept getting placed back on my charges statements to the point that I paid the fraudulent charge to save my credit. 
I'm not going to have to pay for fraudulent charges to save my credit again. 
I will greatly appreciate some help, and a look into this chronic disputed & resolved then charged again matter on my XXXX Chase Bank Credit Card. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Today XX/XX/18 XXXX XXXX called me at XXXX XXXX. 

This is completely ridiculous. They continue to call at all hours of the day and night. They repeatedly harass my family members after being told repeatedly to stop calling them. They call my Mothers cell phone and leave detailed information about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX I learned a fraugulant credit card account was opened using my identity. 
I then contacted Bank of America and reported the fraud useing phone # XXXX Was able to get that account closed and asked to put fraud alert on. 
Then on XXXX XXXX I received a letter from Bank of America stating a credit card application had been approved and my new card should arrive in the next two weeks. 
Cotacted Bank of America and questioned new account for I had not applied for a credit card account. 
Found out both account were seperat insidences. 
first card opened on XXXX XXXX and second opened on XXXX XXXX. 
My complaint is why was another Credit Card Application approved after fraud had been reported on XXXX XXXX. 
Also refuse to give information as to who and how Applications were filled. 
Have filed Police Report, Federal Trade Commission. OIG report and 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