BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On Sunday XX/XX/XXXX XXXX XXXX I had used my card T my local pharmacy to pick up a couple things, and came home, I later received a notification that my cRd had been used that same day in the amount of XXXX, at another retailer, and I immediately called the card and the girl canceled the card and said they would send paperwork that I needed to send back withing ten days, not only was that letter received after thier ten day date, they then told me that I would get no credit from them until after they took three months to clear it up, I then receive a letter from them just this week, explaining that no credit would be given because no error was found, I filed an online complaint with ic3 regarding the charge and gave what info from that I could, I contacted the reliacard back and they told me I could request thier transcripts but that too would take up to a month and that they had no i formation regarding the dispute and that there was no one I coukd contact because fraud departments don't talk to the public, I told the lady I don't agree with this and I want my XXXX refunded to me she basically said no in a roundabout way. I am not happy with this decision in any Form

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet XX/XX/XXXX claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to XX/XX/XXXXthat it Is really me who submitted this complaint? Why are they not blocking these fraudulent 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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my 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
Consumer complaint received 2021-09-02
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I reached out to my then property management company XXXX, a.k.a XXXX XXXX to renew my lease. My family was living in " student housing '' that also rented to no students. Because the previous lease I had was specially written, I trusted the information that the management companies representative gave me. She sent me a lease with just my name on it and told me that my husband was a co-applicant in the system, and encouraged me to sign because they only had 1 4-bedroom unit left for the following year. I did sign believing what she said. I then called her because something didn't sit right with me, because of the property being a rental I did not want my husband or children evicted if something happened to me. While on the phone she said that a guarantor application was being emailed to me, which was a lie because I have access to his email he never received, nor signed anything for a the lease of XXXX. We met with XXXX XXXX on XX/XX/XXXX, who acknowledged that XXXX was incorrect and they were able to issue leases identical to the one we signed for XXXX. All she had to do was contact him and he would have contacted legal. He also acknowledged that my husband would have no rights to the apartment if anything were to happen to me. We were sent to collections for the entire amount of a lease when we never lived there, we were out before XX/XX/XXXX, and that unit was rented out, so they did not lose the full amount of the unit. We did actually drive by and speak to one of the students that lived in that unit. They also sent the 2 different bills to the collection agency and filed the collection as a joint account for the XXXX lease which is was not. I asked for XXXX the area manager to contact me which he didnt. But I do have the XX/XX/XXXX conversation that he admitted that his representative XXXX was wrong and she did lie about the lease to make her sales numbers. XXXX can look over our payment history and see that we always paid our rent on time, and they never had to threaten eviction and we did comply with the term of the lease that was issued and signed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
so far today XX/XX/2021 i have received 3 calls from XXXX, XXXX, XXXX, and at XXXX. on XX/XX/2021 i received 2 calls from the same number, one at XXXX, and the second at XXXX. On XX/XX/2021 i received 2 calls from the same number above at XXXX and 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 2018-10-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Coming into this branch I already experienced several problems with XXXX the banker who opened my account. Coming into the branch on Saturday XXXX XXXX at XXXX XXXX   I came in and as always saw very friendly staff. I came and approached XXXX XXXX the teller and she informed me that my D.O.B. was wrong on my account so I had to speak with the banker who opened my account which was XXXX. I was reluctant to do so because of every experience I've had with her including one the previous week in which she called me with a nasty attitude and told me she pretty much was only calling because she had to. 
I came into her office and she never once asked me for any identification even after I tried to present it to her. I find it very unethical and illegal for a banker to access my personal records and discuss my account without properly identifying who I was or accepting my identification. She was so rude as always I still never got my account date of birth fixed and its so disheartening to know great representatives of this branch from the security staff to XXXX XXXX the branch manager, XXXX a banker, XXXX XXXX, teller and the other tellers who are so professional and courteous even to rude customers are now seemingly over shadowed by this one banker who treats customers as she wants to and still is literally acting as if she is above the law by not verifying my identification. She has got to be the rudest banking rep I've ever had to deal with in banking. Horrible service from XXXX on a regular and continuous basis. She never even greets customers with a hello or goodbye or have a nice day or anything. She is always so informal and rude and I just have literally started to hate coming into this branch do to her actions and behavior that seems to go uncorrected because she is not being held accountable for her poor customer service. 

This is in reference to the branch located at XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Information belongs to someone else

Complaint:
I'm a victim of identity theft and I've provided the needed documentation to XXXX on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Midland Credit Management received our change of address over 60 days ago. Still continuously calls prior XXXX and more than 3x daily. I have communicated with them on lengthy phone calls the financial situation ; however, the calls still continue outside of regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
I am a customer of American Express credit card since XXXX. I have never had a payment problem with Amex.My current net worth in liquid assets is more than XXXX XXXX dollars. 
In XX/XX/XXXX, I submitted an application online for a Delta Skymiles Platinum Card issued by American Express. Amex denied the application stating that there was an instance where a payment was returned to American Express by my bank. I had a typo on my account number when I set up a new bank account for payment of Balance Due on the Amex Statement. I had rectified the problem immediately. 
I called the Amex 800 number and explained the situation and pointed out that I had been member since XXXX and that until very recently I had an Amex Platinum Card. I have never had a payment problem.They said they will review and let me know. I received a regret letter by US Mail dated XX/XX/XXXX. 
I called the Amex XXXX number and talked to a woman who would only give her first name XXXX. I wanted to know who made the decision and if I could speak to the person. She said that is not possible. I informed her that I will submit a complaint with CFPB. She said some one will get back to me. No one has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: Lendmark Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We had purchased GAP Debt cancellation with this auto loan. The vehicle under this contract was totaled on XX/XX/XXXX Lendmark was paid by our insurer around XXXX XXXX. Lendmark called me to state they received our insurer 's payment and would begin filing the claim to the GAP insurer. Upon receipt of their XX/XX/XXXX letter requesting payment, I called to find out why we received this letter and the status of the GAP claim. It was at that time, when I was informed the claim wasn't submitted until the end of XXXX ( two weeks later ) and no follow up had been done with the insurer. When they finally followed up ( XXXX ), it was discovered there was missing information to approve the claim. By the end of XXXX, the claim was approved and paid to Lendmark Financial. We were told to wait 15 days ( XX/XX/XXXX ) to receive the necessary documents to show the contract was paid in full along with receiving a check in the amount of approx {$170.00} for the credit balance on our account. XX/XX/XXXX is the date both insurers used for payment which effectively is the date this contract ended. Lendmark continued to report to the credit bureaus knowing of the pending claim and payment. Instead of using the XXXX date, they reported and posted, in XX/XX/XXXX, the GAP payment which put our account 30 days past due. Their delay in, first filing the claim and second, not following up properly, delayed the payment by the insurer. Also, they incorrectly reporting to the bureaus put a negative remark on our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: SANTANDER HOLDINGS USA, 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:
I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: OH
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:
In XXXX, I had a dispute rent payment dispute with XXXX XXXX XXXX XXXX, XXXX, PA which was sent to collection agency ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, vide Account Number XXXX. The disputed was resolved on XX/XX/XXXX. 
The XXXX XXXX XXXX informed me that all Credit reporting agencies, including XXXX  XXXX XXXX were notified in writing on the closure of dispute. In XX/XX/XXXX, I approached XXXX for COVID Loan, and for Standard Equity Line of Credit ;  however XXXX declined both my applications based on Credit Reports provided by the XXXX  XXXX XXXX stating ; " Delinquent Past or Present Credit Obligations with others. '' I made made numerous unsuccessful phone calls to XXXX  at the provided # XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX  at ( XXXX ) XXXX, and Collection Representation, Ms. XXXX XXXX, confirmed that the Account # XXXX was closed on XX/XX/XXXX and all Credit Reporting Agencies, including XXXX, were conveyed this information in a timely manner as per guidelines. She also promised to send a written response to validate action of XXXX XXXX XXXX. 

The XXXX  XXXX XXXX has acted negligently by not correcting my Credit History for more than 2-years, and this has tarnished my image, credit score, and credit worthiness. XXXX   XXXX XXXX provided incorrect Credit Report to XXXX, which deprived me to obtain timely financial assistance in form of low interest Loan and Equity Line of Credit. 

I am requesting the CFPB for assistance to get my Credit Report corrected, take appropriate action against XXXX  for being negligent, and provide fiar compensation for tarnishing my image and preventing me from obtaining timely financial assistance in COVID-19 crisis. 
Regards XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Attachment- Proof of Payment to XXXX  XXXX XXXX Credit Card Payment Receipt

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 2019-04-16
Company: Experian Information Solutions Inc.
State: UT
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:
bankruptcy can not be verified by courthouse but they said its been verified. So if the courts cant verify this than who has the authority to verify? XXXX could not verify there fore they removed bankruptcy so why are Experian and XXXX saying the opposite?

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 2018-12-12
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I was sent two letters from chase regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. Chase bank sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with Chase and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at chase bank stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with XXXX  and they replied that Chase said it is  indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from Chase stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: DISCOVER BANK
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:
DISCOVER FIN SVCS XXXX XXXX Date Opened XX/XX/13 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Honda inaccurately reported late payments to the credit bureau, when I paid before the 30 day late mark. Honda processes payments late and there several consumer complaints regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.

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