BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of XXXX I submitted an online application for a secured credit card through US bank. Application required checking account and routing numbers in order to complete application. After submitting the application the site informed me that I was not approved for a card at that time and would be sent a letter in 7-10 business days explaining why. Roughly 6 weeks later in XXXX XXXX {$300.00} was withdrawn from my bank account to US Bank for the deposit with no notification of a new secured card account opened. I immediately Contacted US Bank to close the account and issue a full refund of {$300.00}, as I was not aware of any approval on my application. US Bank refused to do either. Was told I had to wait a minimum of 60 days to ensure there was no activity on the account. The account has since been closed due to overdue balance on a card that was never activated and account was never used. I was charged an annual fee along with late fees and interest. That 60 day wait was to charge fees and interest on an account that should NOT have been opened in the first place! They are now requesting an additional payment of {$110.00} in order to issue a refund. They are now negatively reporting to the credit bureaus after stealing not only my {$300.00}. But now want an extra {$110.00}! After multiple calls made to US Bank this has still not been resolved. I just want my {$300.00} back and all negative marks 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 monetary relief
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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 status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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:
Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/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 2019-04-24
Company: NRA Group, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MULTIPLE AND REPEATED PHONE CALLS THROUGH OUT THE DAY on my place of employment and leaving multiple messages in my phone, threats that if I dont contact them I will be placed on Collection etc

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 2018-01-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account had a restaurant charge on my debit card.  However, I did not realize the restaurant did not put in the tip amount.  So, this resulted in a $XXXX overdraft on my account which cost $XXXXI think to charge $XXXX is gouging, when they could have sent an email alert to clear up the $XXXX  overage.

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 2018-01-09
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased the item with credit card. After I returned the item I still didn’t receive my refund. It’s being over a month.

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 2022-01-13
Company: Square Inc
State: OH
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:
Contacted Cash App after debt/credit card opened in XX/XX/XXXX. Reported unauthorized card opened on behalf. Contacted Credit Bureaus. Sent documentation of account opened account to Cash App. Again in on XX/XX/XXXX Cash App credit sent to my address, without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions 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:
The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/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 2019-05-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Receiving phone calls on several occasions from a number in XXXX, Florida claiming to be providing loan relief. They have my contact information and my current billing address. I already answered and told them to stop contacting me, but they called again. It's super creepy and makes me very uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: WELLS FARGO & COMPANY
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX has closed all of my personal accounts, credit cards, and business accounts, with no explanation, leading to a very frustrating experience for me. They now have around $500 of my money tied up in cyberspace, who knows when I will get it back. I am a law-abiding citizen and have never had any problems with any other bank, however Wells Fargo refuses to provide me with any reason or explanation for why they have closed all of my accounts.

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 2017-09-22
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of XXXX for about 10 years, and they were purchased by Ally fairly recently. I trade stocks and options regularly, maybe once a month or more on average over that 10 years. I had positive experiences with XXXX and usually fund my account with wire transfers from my credit union. My issue is that Ally is allowing me to use the money WITHIN their system like they are required to, but they are extending holds on my funds of 10 business days. My account is not new, I am not new, I am not risky, I am approved for margin trading, etc. So what is with the extended hold that they refuse to even look at changing? The wires have come from my same checking account for the entire period, so the risk to them that somehow the funds will be attempted to be pulled back is zero. I think under the guise of risk management they are ignoring proper risk management and placing an unnecessary hold time to keep a low cost of funds or encourage more trading with the associated fees to Ally. It 's ridiculous in my opinion. When I attempted to resolve via chat with an agent, that was also disappointing.

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 2022-01-13
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2018-03-17
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: MA
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:
Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through XXXX and XXXX XXXX and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call XXXX XXXX last week as well as XXXX and the car dealership as well as the XXXX XXXX XXXX where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on progressive as myself for the policy holder as well as student loans and mortgages show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed bankruptcy XX/XX/2019 and the information on my report seems not not go away and is reporting incorrectly and is not impacting my score the way it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I send a request to have the fraud alert removed from all 3 credit bureau but XXXX removed the fraud alert and then send a request to have a fraud alert added to XXXX & Experian by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX where there admitting that they did this

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 2022-01-13
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, 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:
I am loosing my house loan because Equifax is reporting erroneous information. I contacted Equifax about two accounts that were reporting incorrectly. The accounts were with XXXX and XXXX. The accounts were stating that I was late. XXXX reported that I was late by 30 days and XXXX said I was late twice in the last 90 days, in the incorrect credit report. They went back and reviewed the record and changed the reporting. I received letters from XXXX and XXXX stating this. I also received an email from Equifax stating this as well. Equifax stated that the dispute was verified by the lender. This is incorrect. I received a letter from each of the lenders stating the accounts were not late. AND EQUIFAX sent me an email saying that the account information was changed to " PAY AS AGREED '' and changed FROM not more than 30 days late on each account. HOWEVER, when I pull my credit report, it still show that I was late IN THE 81 MONTH HISTORY section of my credit report. So it says paid as Agreed on one side but when you expand the screen it still shows that it is late in my 81 month history with each lender and this is TAKING MY CREDIT SCORE DOWN by XXXX point and causing me to loose my house loan that I was suppose to close on. Somehow the attendants that answer the phone are restricted from seeing the online information and can only look at the same credit report that you get. This makes no sense. If the credit report is wrong, they should be able to look at the account information associated with your accounts and not just the credit report. SO if equifax offers the monitoring service, and equifax sends you an email, the attendant should be able to see all of the information and correct it. As it stands the company employees can not really offer much to help you. Both myself and the lender are reporting to Equifax that the information is incorrect and this company still will not correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
americollect inc is trying to collect on a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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: Account status incorrect

Complaint:
My credit rating was XXXX in XX/XX/2018 per Transunion. 

Around that time, my motorcycle was stolen. The motorcycle had an open account with XXXX XXXX XXXX. Once my insurance company paid the claim, my open XXXX XXXX XXXX account was closed in good standing. Once everything settled, I made the decision to purchase a new motorcycle at the end of XX/XX/2018 and I financed the loan via XXXX XXXX XXXX. The amount of the loan and monthly payments were nominally higher, but otherwise in the same range. Both the XXXX and XXXX loans were paid on time and neither account was ever delinquent. Further, the accounts were never open simultaneously. In other words, the XXXX account was paid in full and closed ( in good standing ) prior to the opening of the XXXX account. 

Shortly thereafter, on or about XX/XX/2018, I noticed that my Transunion credit score dropped to XXXX. I called Transunion and they said that they would not my issue, but that they can't do anything since scores are computer generated and they have no way to adjust the score. Next, I called XXXX XXXX XXXX and they confirmed that my account was never delinquent, that the account was paid in full, and that my account was closed in good standing. Finally, I called XXXX XXXX XXXX, and they also confirmed that my account was never delinquent, that I never made any late payments, and that my account is currently in good standing.

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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union failed to remove XXXX XXXX XXXX XXXX of my credit report. This has caused me to decrease in points.

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 2021-08-05
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:
The XXXXXXXX XXXX Account which appears on my credit report is a result of identity theft. I contacted XXXX XXXX and they investigated and sent me a letter stating that they found this account to be a result of identity theft and that it would be removed from my credit reports. 

An inquiry appears on my XXXX  credit report from XXXX on XX/XX/2020 which is a result of identity theft as well which I would like deleted too. 

These matters are not in litigation and have never been subject to Litigation. 

A copy of the letter that I received from XXXX XXXX is attached to this Complaint explicitly stating that they investigated and found that the account is a result of identity theft and that they are deleting it from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has consistently reported my account as late ( 30 and 60 days ) late. I have NEVER been late 30 days or more with XXXX XXXX. I looked at my payment history on XX/XX/XXXX and verified this. I have tried to rectify this with XXXX XXXX and they delete the trade line, only insert it back on my credit repots again with new 30 day lates. 

XXXX also is not any help. Every time that I submit a complaint to the CFPB, XXXX states that they can't respond to the complaint because it involves something that we previously litigated. Which is not true. 

Equifax also refuses to allow me to dispute the trade line with XXXX XXXX. They give no reason why, they just refuse to allow me to dispute the inaccurate information.

Company response to consumer: Closed with explanation