BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: U.S. BANCORP
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: Card was charged for something you did not purchase with the card

Complaint:
I am having issues with US bank with my business credit card. My card was lost and it was used for several charges. They have denied my claim and have not shown my the reason why other than by phone that they are saying that merchant verified ID and that is impossible that any of these merchants verified Id because my Id was not lost with the card. My card is at risk of being closed and i have tried to resolve this issue with US bank on several occasions and they always say that i will receive a call back. I am going to include my Id to this complaint so they can verify. I need this matter resolved ASAP as this has already gone to long to trying to come to a solution.

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 2022-07-06
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Applied for XXXX program and submitted employment verification in XXXX. In XXXX received notification that my employment verification was denied because of my employers signature. I had to contact employer and get them to resign and I resubmitted corrected form in XXXX. This apparently put me at the end of the line and I have heard nothing since that time. My corrected form was submitted XX/XX/XXXX. Its been a month and nothing. Ive been trying to get this verified since XXXX. I dont u detest and why a simple corrected signature would take so long to verify. Should not have been placed at the end of the line as this should have been an easy fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 have disputed these accounts multiple times with XXXX and Portfolio Recovers. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what Portfolio recovery has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a derogatory account on my XXXX XXXX report placed there by southwest Credit systems ( SW CRDT SYS ). The account came from XXXX XXXX XXXX Some one a place called XXXX purchased XXXX worth of either equipment or services from them and used my information. If you search my residential records you will find I never lived in the city or state in which this took, in fact I have never even been there. Following is a copy of what is on my credit report I have contacted XXXX XXXX XXXX who said they would investigate Southwest Credit swears it 's my account, XXXX XXXX does nothing. I really feel violated by the abuse of these large companies who can at will mess up our lives. I think it unconstitutional be able to publicly falsely destroy my pursuit of happiness. 

SW CRDT SYS Reported on XX/XX/XXXX {$4300.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it 's going to stay on your credit report. You might notice some changes to your account info though ; it 's been updated to reflect recent activity. 
Dispute Reason Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
Dispute Results From XXXX XXXX  received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you 're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX Dispute XXXX. XXXX XXXX XXXX, PA XXXX XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, equifax and XXXX are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote a check in the amount of {$1200.00} ( clearly stated numerically as well as written ) and the check cleared the bank for {$1700.00}, {$500.00} more than it should have. I contacted Bank of America around XX/XX/XXXX again on XX/XX/XXXX and again on XX/XX/XXXX. Each time I was instructed by the individual that they could clearly see the error on the banks side in posting the check incorrectly and they could see the incorrect amount was withdrawn from my account. The first time I was given a case number ( XXXX ) and was told it would take 2-3 business days. The second time I was given another case number ( XXXX ) and was told it would take 2-3 business days but was being expedited. The last time I called the associate claimed they were still researching it and were trying to get the funds from the other bank. It is not my error that Bank of America cleared the check for the incorrect amount. They will not give me my money back and as a result I would like to file a complaint against them.

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 2019-11-26
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:
Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had created a payment plan with Midland Credit Management ( or may be Midland Funding ). I sent checks via my BillPay in the amount of {$56.00}. I requested that my bank close the bank account used to consolidate to one checking account and canceled the BillPay. On XX/XX/22 I see a transaction of {$56.00} Check # XXXX. This is NOT something I sent out or authorized and I have had no communication about this. 

Midland used my account number and routing number from previous checks to create their own check and submit to my bank for payment. This is overreach and honestly, seems illegal. Plus, then, it reactivated an account I do not use, causing a NSF fee. 

My bank told me to contact the company and I did, but they acted like it was business as usual. I requested to cancel my payment plan. It is NOT okay for a company to access my bank accounts at their whim and use my information when I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, transunion and XXXX and havent received any help. It has lowered my score XXXX 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 2022-07-06
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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 was alerted by my identify theft alert program, XXXX XXXX XXXX that a Pentagon Federal Credit Union ( " PenFed '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with PenFed, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted PenFed after receiving that notification, told them it was fraudulent, and was given a PenFed XXXX Fraud Reference Number of XXXX. The PenFed rep said they would mail me an affidavit to submit to PenFed to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called PenFed again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that PenFed reported this account as delinquent and it negatively affected my credit score by XXXX points. PenFed has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with PenFed and that it was fraudulent.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a loan with my bank in XX/XX/2021. My bank pulled my credit an told me my score was XXXX. It was pulled from Experian. I pulled my credit report the same day and showed a score of XXXX. There is some type of fraud going on if the banking industry and consumers received different scores. 

Experian sales a service for credit monitoring. It's fraud when their service to consumers does not show the correct or different information to lenders. This is the entire purpose of credit monitoring, to insure accuracy.

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 2017-08-21
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX XXXX  that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
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: Account status incorrect

Complaint:
XXXX  has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX  2. On my   XXXX    XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2017-09-09
Company: EQUIFAX, INC.
State: NC
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 was affected by the Equifax security breach and most likely have had most, if not all, of my personal financial information stolen as a result. This includes date of birth, social security number, full address, and possibly more. This information was leaked due to their security failure, and as such they should be held fully accountable for any fraud resulting from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions 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:
Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ECMC GROUP, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I completed a Default Clearance letter maybe 2 years ago. I completed a FAFSA this year the school and Federal Department still have the Default classification on there. This company and my interaction with them strikes me a hostile, and antagonistic and one-sided in the way they have chosen to conduct business with me. They are reporting a total amount from education loans from 25 years ago. I went to another XXXX school and took 2 classes. Then they " consolidated '' and claimed I owed from the loans 2 decades ago. I had n't heard anything about owing on a loan until I took the 2 classes at the less expensive school and an offset was approved. I feel like I am being attacked. This company called me 4-5 times a day back in 2008. Last year I agreed to make voluntary payments for $ XXXX- that was the asking price. As I have applied to get financial aid at other institutions, this rehab loan keeps coming up. I was unaware that this categorization of my loan account was going to prevent this. Negotiation is at the core of most business transactions- it 's a give and take. I feel if I can pay voluntary- that 's what they asked me to pay- and someone on their team can be more flexible to allow me to move forward.I was reluctant to keep contacting them, because they said they were not reporting anything and starting sending me privacy policy notices. I thought there was some kind of legal proceeding that had occurred - like a gag order. Im just really confused as to why I keep having the same conversations with them almost every year. I really need a normal professional business person to help me with 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 explanation
Consumer complaint received 2017-08-21
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Well I looked on my credit report and I seen this new account in collections XXXX17 They did not notify me Or send me a letter before placeing this account on my credit report.So I sent them a debt validation letter stating I will like the original documents on this account.And all AR resolution inc sent me a cover sheet any computer screen. This is not a proper validation letter. And I know my laws and my rights and AR Rosources inc have Validated Fair debt Collection practices Act federal and state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i have written to XXXX XXXX XXXX many times and they are stating that what they are reporting to bureaus is incorrect i even have received letters from them, but when i fax or upload or even mail the same document to experian, they do not update their end. XXXX and XXXX have already updated through their end but experian has not and does not. therefore i decided to make a complaint to you in order to get results, please have this issue resolved, i would greatly appreciated. thank you

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 2017-08-21
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: Account status incorrect

Complaint:
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, Experian violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that Experian will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.

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