BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I am a consumer with us bank and their policy states that they do electronic messages and agreements state Your authorization and consent to such agreement to such an agreement or your delivery EX ( " EMAIL TO ACTIVATE MY VISA DEBT CARD '' ) Delivery of instructions may be made by certain numbers codes ex ( activating debit card ) ex XXXX that is the code marks signs ( pin ) public or private keys or other means acceptable to you and to us establish your identity which i did when opening and acceptance of electronic communications like email the policy states identity which means that my email which is a valid email and authentic email which is true my email with my account is valid and authentic that all communications go to me even though it spelled differently but it goes to me and as a true fact banks are allowing consumers to activate via text and email but the account number is ONLY FOUR NUMBERS NOT FULL Ex account number XXXX sent by XXXX XXXX XXXX and with a code to activate card ex number XXXX ( code ) Please note that is NOT A REAL CARD NUMBER BUT ITS JUST AN EXAMPLE that banks are doing I am very dissatisfied with us bank not allowing me to use my email to activate my card even though my email is valid which states in the terms on page 34

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 2018-07-13
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:
I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX  XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!

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 2018-09-10
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:
XXXX XXXX Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not 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 2023-02-21
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX delinquency on my credit account showing as negative the account was open in XXXX and still showing on my credit account profile. XXXX XXXXXXXX sold the debt to XXXXXXXX XXXX in XXXX and they posted in my account as opened in XXXX. This account was original opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For over the past year I have been dealing with credit issues pertaining to identity theft/fraud. I have address this matter repeatedly and still have not fully restored my credit. This account appeared on my credit back in XX/XX/2017 and I have been making a conscious effort to remove the frivolous account.

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 2018-09-10
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Companies who issue these cards should NOT have the right to hold funds due to a failed gas pump transaction and, then, take WEEKS to return the held funds to the consumer. Consumers must be tenacious and call the card company over and over to request release of the " held '' funds. Many do not even understand what happened to the funds since NO explanation whatsoever is provided. Most consumers eventually give up out of confusion, and I am sure the card companies reap huge financial benefits from " held '' funds that are never released back to the card. This is a form of theft and should be outlawed.

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 2019-05-23
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have called Sallie Mae on multiple accounts expressing my financial distress, stating the required monthly payment on the " only plan offered '' is nearly 70 % of what I make monthly. 

I was told on multiple occasions that only when my loan went into deferment ( and it did, from not paying for 5 days past ) were they permitted to discuss " alternative payment options. '' After completing all the information needed to access such a plan, I was informed the interest I had was already the best they offered, and that enrolling in this new plan would actually increase my monthly payments. 

I then implored them to leave me on the default plan which is still and for 6+ months now has been destroying my credit and savings. 

On top of everything, the representative had the audacity to suggest I seek alternative employment such as working in a store or coffee shop, instead of continue working freelance in my field and acquiring more work clients and experience as I go. AN incredibly inappropriate, unprofessional assumption to extrapolate on the idea that I am simply not working hard enough ... 

Overall, Sallie Mae 's whole process was and consistently remains incredibly inhumane in their inability to budge from their signature payment plan that holds no regards for annual salary, or even those living below or around the poverty line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found this Barclay account on my credit report and it is showing I'm delinquent on it. I was an authorized user on this account and by law an authorized user is not responsible for the debt. I contacted Barclay to have my name removed and they refused. They said they sold the debt and there is nothing they can do.

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 2018-06-21
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
On XX/XX/2018 I entered into an agreement with XXXX XXXXXXXX ( representing NAVIENT ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, Navient only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called Navient directly and they keep saying it will take more and more time. I called XXXX XXXX Navient 's collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the 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 explanation
Consumer complaint received 2018-09-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had reached out to Home Depot multiple times to have my account paid in full, within the 24 month period. I had made atleast 4 phone calls stating for the account to be paid in full. The last call I made for a payment was in XX/XX/2018, Home Depot never processed my payment and now I have charged me almost double amount owed. The amount that was suppose to be paid in full was {$5200.00} but now they have charged {$4400.00} in intrest. I feel scammed.

Every single conversation I was told that they would be taking a full payment and then they continue to just take the minimum amount.

Home Depot has told me they have no records of my calls and then told me they cant pull the recording. I keep getting different stories every time I talk to someone.

I understand they make their money in intrest but right is right, and wrong is wrong.

The full amount was to be drafted out of my account before the intrest was applied and Home Depot didnt process my payment and charged me {$4400.00} in intrest instead.

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 2019-05-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
back in XXXX I payed the entire balance off on my American Express card. Thinking that entire amount was paid the following month I made no payment. Appox 30 days later I receive a late notice along with a bill for past occurred interest as well as a late payment fee. I contacted amex and was informed I would have to pay this amount of {$79.00} for accured interest and a late fee of {$35.00} and also my account was subject to a credit interest increase. So I paid the entire amount on date I always made my payments on. Thinking to myself that amount would take careof them and I certainly would not be using your card in your longer okay that didn't happen this month I received another bill for {$35.00} for a late fee stating that the payment was not received until the XXXX of the month although I make your payment electronically through my bank as I have always in the past on the XXXX of the month which is the day that I get paid on. So now I have a new bill again for {$35.00}! in late fees and they are also reporting me late to the credit bureaus. I might mention that they sent me a later stating that if I were to fileba dispute with credit bureau they would be cancelling my account. I don't know what kind of business practices by are these but it sounds as if they are making threats. I need assistance with them because even when I called to get this straitened out the person I spoke with was very rude and menecing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am in receipt of my Equifax credit reports dated XX/XX/XXXX, I noticed the following credit inquiry on my report : ( See attachment ) The following unauthorized hard inquiry which impacted/lowered my credit score was placed on my credit report by XXXX on XX/XX/XXXX, without my expressed verbal, wriiten consent or knowledge. In addition, XXXX also placed an soft inquiry on my Equifax report on the very same date. 

I immediiately reached out to XXXX and asked verification and removal of the hard inquire placed on my Equifax report. According to XXXX they placed several requests with Equifax to remove the above mentioned inquire. 

I contacted Equifax several times attempted to dispute the above mention inquiry an was told consumers could not dispute inquires. I informed Equifax under the FRCA consumers are permitted to dispute any inaccuracies contained the consumer report/file which included hard inquires. 

Equifax refused to allow the consumer to dispute hard inquiry place on my report also refused to provide the contact information of XXXX i.e. address, telephone which FRCA requires Equifax to provide consumer with this information. 

To date Equifax had refused XXXX and the consumer request to delete above mentioned inquiry with full knowledge this impacts the consumer credit scores. 

I belive Equifax is targeting minorities with this practices to intentionally lower Americans of XXXX decents credit scores. 

This is not the first discriminatory practices of Equifax I have reported to the CFPB over the years and to date you have refused to provide protection to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Disputes for identity theft on a XXXX XXXX credit card account ( account number unknown ) opened in XX/XX/XXXX on my EQUIFAX credit report via US Mail were sent in mid-XXXX and early-XXXX but were not responded to. Disputes online in mid-XXXX, late-XXXX, and early-XXXX were completed but ruled against my favor without any additional information or verification of the debt being legitimate. The account was opened before I reached the age of XXXX and was the result of identity theft that was discovered when I began university in the Fall of XXXX. I have repeatedly demanded the credit bureau remove the account from my report due to this fact, using FCRA 605B as the legal precedent in my demand. I submitted my disputed with the FTC Identity Theft Affidavit in all cases. They have refused to take action on the account as legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kia motor finance applied a payment in XX/XX/2020 incorrectly. This resulted in the account reporting as 30 days late. I attempted to dispute this with Kia finance and was refused by multiple employees over a two week span. I was told to file a formal complaint I would have to speak to a specific supervisor, to call back at a later date, and then repeatedly told I would receive a call back to complete my dispute.  None of these things happened. I disputed the error through XXXX  and it was updated on me XXXX  report. I am going through the process of applying for a mortgage and was told it is not reflecting on my credit report. I asked Kia to provide some documentation to me that the account was in good standing or show that the correction had been made and they refused on XXXX at XXXX XXXX  I spoke with XXXX a supervisor who said they would provide a letter of account current status. This never happened and when I called back I was told by three different supervisors and eventually XXXX, the senior customer service supervisor that I would have to call corporate and take legal action because there is nothing that they could provide me for documentation of the correction.

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