BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/ a check I write out for rent and mailed was stolen. I filed a claim that date and it has yet to be resolved. Each time I call I get a new resolution timeline and an update that continues to push out the decision date. This has taken way longer than they told me. I submitted all necessary documentation. US Bank has stated they are under staffed with check fraud cases at an all time high but I feel that isnt my fault. This is horrible to the consumer and this needs to be investigated. Thanks

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 2020-10-27
Company: Experian Information Solutions Inc.
State: HI
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2022-11-17
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAINE & WEINER COMPANY, INC.
State: IL
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:
please this accoun is need to remove for my credit report pleaseeee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX response is fraud

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 and 19 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
we bought a R v it was financed with Bank of America, we found multiple violations in the contract with the dealership, so we choose to do a rescission of signature with the sale the was closed and charged off on XX/XX/XXXX by bank of America, Bank of America then withdrew {$30000.00} from our savings account we did not authorize, we received a letter XX/XX/XXXX stating you may not be aware but your recent payment was more then the scheduled payment, so we credited your account for the monthly installment payment ( s ) due, and applied the remaining amount to reduce your principal balance, if applicable.

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 2023-09-14
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/XXXX, at XXXX, I received a fake email from a XXXX XXXX XXXX who represented himself as an HR employee of XXXX, a subsidiary of XXXX XXXX XXXX. I was offered a job by XXXX XXXX who sent me some checks in me email and told me to deposit them using my cell phone. He later told me that there was an error with the checks and he resent two more checks. These checks were fraudulent and caused my checking account to be overdrawn over {$2400.00}. I disputed the transactions with Arvest Bank on or about XX/XX/XXXX, due to fraud. They denied due to no error. I reasserted my dispute on XX/XX/XXXX, because I believe the checks were not processed correctly and the bank should have stopped all of them from processing, instead of just the first one. They stopped the first one, but let the second one go through even though they knew it was also fraud. My second reason for reasserting is because the bank has not provided information such as token number or other verification that money actually was released to the intended recipient of the XXXX XXXX or XXXX XXXX account, or if it was just an internal processing error. Under CFPB guidelines banks are liable if consumers are tricked or scammed into giving out their bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. SINCE XXXX RUSHMORE LOAN MANAGEMENT SERVICES HAS REFUSE TO REFUND OR CREDIT MY PRINCIPAL ACCOUNT, TOTAL OF {$7500.00} ILLEGAL UNJUSTIFIABLE OVERCHARGES VALUE/XXXX COST, LATE FEES, ATTORNEY FEES, FLOOD INSURANCE FEES AND HOMEOWNERS FORCED PLACED INSURANCE FEES. 
THESE FEES ARE NOT SUPPOSE TO BE CHARGED DURING TRIAL MODIFICATION PROCESS STEMMING FROM XXXX XXXX NATIONAL DISASTER. SEE ORIGINAL ENCLOSED XXXX XXXXXXXX XXXX XXXX NOTE COPY DOC TYPE XXXX WHICH DOES NOT REQUIRE INTERIOR FIRE INSURANCE COVERAGE FOR A TOP FLOOR CONDO PENTHOUSE NEW HIGH RISE BUILDING WIRED WITH SPRINKLER SMOKE CARBON DETECTOR ALARM SYSTEM COMPLETED XXXX BASED ON FLORIDA STATE LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. EQUIFAX ALSO HAS A POLICE REPORT ON FILE PERTAINING TO THIS ITEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Several weeks ago, when I tried logging in to my account on usbank.com, it said my username was disabled and to call their phone number for assistance. I called the number the website gave and the agent said my username would work again within 72 hours. Several weeks later, the website still said my username was disabled, so I called US Bank again on XX/XX/XXXX. The agent said my username should start working again the next day. It has now been 3 days since that call and I am still unable to login to usbank.com. I have been unable to access my US Bank checking account and credit card online for several weeks now.

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 2021-02-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, NC XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Had a card with XXXX XXXX. Fell behind because of sickness. Account was closed and turned over to collections. Profollio Recovery. They in turned got a lawyer office in Georgia to find suite in magistrate court. Was served but did not know where from. I didn't know I could have disputed it. Since XXXX I have been paying {$100.00}. They said it should have been paid off in XX/XX/XXXX. They are threatening to take me to court for {$400.00} dollars. Original debt was over {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The accounts listed are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am one of the many victims of the Bank Of America debacle over charging {$35.00} dollars many times and forcing me to pay it all. I heard about them having to pay back customers like myself on NJ radio XXXX but haven't received anything as of yet.

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 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
5 fraudulent transactions occurred on XX/XX/XXXX at XXXX # XXXX, XXXX XXXX XXXX, The XXXX XXXX XXXX ; all in XXXX XXXX, IL. Total for the transactions was {$670.00}. 

Immediately reported to Bank of America once transactions had been posted ( XXXX ). Bank of America denied the claim ( XX/XX/XXXX ) and I immediately followed up to appeal the decision. Fraud denial claims that a chip card was used and that these transactions were made at places I had been to before. I had the chipcard in my possession the entire time so this is not true and I have never been to XXXX XXXX, IL, or have made purchases from these specific store locations. 

The {$670.00} is coming up due for payment on XXXX and I should not be held responsible to pay for these fraudulent transactions.

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 2023-09-15
Company: Global Lending Services LLC
State: NY
Product: Credit reporting 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 have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made it worst. I am in process of Sue dealership by given in proper information regarding my income on applications, pulling my credit multiple times on different dates and finically hardship on loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apartment from a company called XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the year was up I decided to move on and was in communication with management on the issues I was having and complaints I had made which was due to my vehicles being broken into and other complaint on which I can provide videos, photos and other evidence to prove my complaints and issues. This was supposed to be a gated community and gates only work 2 months while I was there. They also had a maintenance person that was arrested for theft and breaking into vehicle that lived on site. So I really had no choice but to move. In my process of moving they were having management and staff changes and I had made several attempts to turn my keys in. During the month of XXXX. I also made several calls that I have records of to one of the new managers that was going to receive my keys which was not in on these days that we agreed on. I was never late on my rent. and they kept my security deposit for no reason. Which the manager couldn't keep her appointments or meet with me at times that she agreed. It has almost been a year now sense I moved out and now they state that I owe them {$1200.00} Which I have no clue or idea where that's coming from. Someone has obviously made some kind of mistake.This company infact owes me my security deposit of {$1200.00} Which I would like to retrieve. Since the Covid-19 and me living over an hour away Its been very difficult for to try and take to court. XX/XX/XXXX. Hunter Warfield put a collection on my credit report. Which I would like proof and records showing that I owe this  amount. I purchased a home in XX/XX/XXXX. The same month on my lease ended. Which they were aware of as well. I had moved out that same month which I have proof of. So that couldn't be possible. This was all based on XXXX XXXX XXXX negligence and failing to meet me to turn in the key because no one was ever in the office. I would like this collection remove from my credit report immediately because its inaccurate information and I do not owe anything to this company. Infact, they owe me a security deposit which I can provide proof of. What ever information Hunter Warfield has is incorrect and I would like a copy all records and my leasing agreement my departure time  and all other pertinent information as well. So I can turn it over to my attorney.

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 2017-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX was previously deleted due to fraud and now has been reinserted back to my Equifax credit file under a new account number but has the exact same account details. I have my credit report showing account deleted and now reinserted back to my file without any notification. Please remove from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: TX
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 CONTACTED EXPERIAN AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

XXXX XXXX IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE 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 2018-10-02
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX  missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX  XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and XXXX on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX  called me. We then called XXXX  XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After checking my credit report earlier this month, I noticed that I had a random collection account show up and report to all three credit reporting agencies ( XXXX, XXXX, and XXXX ). This dropped my credit score by over 10 points on each of the reporting agencies and is preventing me from seeking further lines of credit for myself and business.. After further investigation I realized that it was from a company called " National Credit Adjusters ''. They are alleging that I owe them {$970.00} for an original creditor called " XXXX XXXX ''. 

On XX/XX/23 I sent them a validation letter to confirm the debt ( attached below ). It was sent by certified mail and signed for on XX/XX/23 ( also attached below ). They then sent me a response on XX/XX/23 starting they received my dispute and are investigating. They said that it can take more than 30 days ( their response letter is also attached below ). 

However, after reading up on the law and latest posting by CFBP here XXXX XXXX XXXX XXXX  This company never did the following : 1. ) They never sent me any notice identifying themselves as a " debt collector '' prior to adding this frivolous item on my credit report.

2. ) They never provided an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date 3. ) They never provided Information about your debt collection rights, including language that : A. ) If you dont dispute the debt within 30 days the debt collector will assume the debt is valid. B. ) If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. 
C. ) If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information 4. ) They never provided any information on how to dispute the debt. 

I had no idea who this company was until it showed up on my credit report and I conducted my research. At no point and time have they ever been in direct communication with me prior to adding this item on my credit report. 

Additionally, they never validated any debt showing proof bearing my signature and a direct agreement with them to pay the alleged debt that they say I owe. Lastly, i've ready multiple reports on CFPB about them sending these bogus response letters saying that the investigation may take more than 30 days, only to never respond again. 

This company also appears to be a repeat offender like XXXX XXXX and are practices some of the same tactics that the CFPB just filed a lawsuit against XXXXXXXX XXXX  for here : XXXX XXXX XXXXXXXX I am requesting that this company delete this item off of my credit report with all of the credit reporting agencies ( XXXX, XXXX and XXXX ) . This is an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief