BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: Debt Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I sent Debt Recovery Solution a certified verification and validation letter. They did not respond. Therefore I want the collection removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Experian Information Solutions Inc.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2019-12-14
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I called am express to waive my late charge as my wife was at the XXXX XXXX. they waived a charge but added double late fees in XXXX I said why and they gave no explanation.. this happened many times. icalled to make payment on XX/XX/XXXX ( the due date ) charged a late fee. I didn't notice this until my XXXX statement when I saw a fee was charged on my due date ... it was on time, yet they charged a fee ... MY MAJOR COMPLAINT IS 29 % increase in apr for the XXXX AND ILLEGAL .... this co. has been doing this for a long time- this is illegal- they be fined for unfair credit practices. please respond payments have ceased until this problem is resolved. thank you XXXX XXXX -- - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company put a bad collection debt on my credit report. This same debt was deleted from my   XXXX    &amp;   XXXX  report because of false reporting information from a different previous collection agency that placed it as a collection on my credit report. The original creditor (  XXXX  ) doesnt even show on my report anymore because the debt is so old. I never received a debt collection notice from this company because I would have disputed it a lot sooner. This is a bad debt &amp; I want it removed from my  XXXX  report through the dispute I filed with them. They violated FDCPA laws.

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 2017-04-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is th e 3rd ti me that equifax released my credit information to companies fraudulently and when told that it was fraud they refuse to remove it. My credit has had  XXXX  inquiries from   XXXX   and  XXXX  from  XXXX .  XXXX  will not remove it unless there is a police report. The point is equifax was the that refusing to investigate and remove the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Credit Bureau : TRANSUNION FRAUD I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called XXXX  to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX  Opened : XXXX XXXX, 2016 Reported balance : {$6400.00} XXXX  XXXX Opened : XXXX XXXX, 2016 Reported balance : {$48000.00}

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 2019-08-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal automatically updated my expired card information to it's new expiration date without my permission. This would could potentially expose me to fraud for anyone gaining access to my account. I wanted it to be defunct. 

I'm not sure how this is legal or allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
FILE COMPLAINT ON EQUIFAX CASE #  XXXX  NO NO YOU DO NOT GET TO INVESTIGATE AGAIN YOU FAILED TO COMPLETE THE INVESTIGATION TH E 1ST TI ME WITH IN THE FCRA 30 DAYS THAT YOU HAD TO INVESTIGATE I 'M GOING TO NEED YOU TO DELETE THIS ASAP Dear  XXXX , Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online.   To accept receipt of the results of your investigation online, please click on this hyperlink :   XXXX   XXXX   XXXX     XXXX  Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion.     We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.     To allow us to protect your privacy and deliver prompt service, please visit our website. If there are items you believe to be incorrect, yo u may be able to initiate an investigation request via the Internet 24 hours  a day, 7 days a week at :   XXXX   XXXX   XXXX   Using the Internet to initiate an online investigation request will expedite the resolution of your concerns.     Unsubscribe : If you do not want to receive these emails, please click on this hyperlink to unsubscribe :  XXXX  :  XXXX ?  XXXX  Please DO NOT REPLY to this email as this is a system generated email and will not be read.     Thank you for giving us the opportunity to serve you,   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I signed a loan for a car with the understanding that the loan was for {$18000.00}. When the 1st payment came due, I noticed that the balance was higher. They added a {$120.00} fee to the principal that I had not been aware would be added to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: MIDCOUNTRY FINANCIAL CORP
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: Account status incorrect

Complaint:
XXXX XXXX ran two Hard Inquiries on my credit report ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been dealing with I C SYSTEM COLLECTIONS for this debt of {$200.00} I asked them to validate this and they never sent me any information and because they couldn't validate they removed this collection from my credit report. This account is three years old according to them. After they removed this item it stayed off my credit report for about a year then they just placed it back on there as a brand new account as of XXXX 2020. They never sent me a letter stating they were putting this item back on my credit report. They are the original creditor that removed it originally. I was never given a proper written notice to dispute this debt or notice that it was going back on my credit report. I called and spoke with a supervisor about this and they refused to do anything about it. I asked to speak with someone above him and was given a name of someone but they refused to give me a phone number stated I could only write in to resolve this. 

Contact # XXXX IC System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX

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 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there is a XXXX  student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.

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 2019-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there is a XXXX student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.

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 2022-04-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1996 Last 4 of SSN : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Early Warning  Services came back and stated that the records were verified by the financial institution even though they listed a social security number that was different than mine. They refuse to remove or suppress this information and as such I am being adversely impacted and can not open a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Experian Information Solutions 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:
These accounts arent mine. Please remove 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 2022-10-25
Company: Shellpoint Partners, LLC
State: CA
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:
Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 

30 days later only 1 reporting agency ( XXXX  ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 XXXX XXXX  ( CLOSED DATES DONT MATCH ) SHELLPOINT MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX XXXX DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX XXXX XXXX, LAST ACTIVITY ) XXXX SHELLPOINT MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( XXXX XXXX, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
that a computer glitch that was TransUnion 's problem - not yours - caused your inquiries to be deleted. TransUnion later added them all back onto your credit report without giving you the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. This all took place in the last 45 days these inquiries add a hardship and that your rights were violated by TransUnion. Please help me make TransUnion stop victimizing you. as a resolution that all of

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 2022-01-04
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Timeline of US Bank involuntarily closing my checking account ( last 4 digits XXXX ). 

XX/XX/2021 - Deposited 2 checks in US Bank from my son in law, XXXX and my daughter XXXX. The money was proceeds from a sale of a house. 

Check amounts {$92000.00} and {$15000.00} Unknown date - Logged into US Bank to see if the funds were available and saw message Our system is temporarily unable to display this information. Please try again. 

Checks were returned XX/XX/2021 and {$38.00} return check fee. 

Called XXXX to see what was up with the checks and after researching it saw that he used out dated XXXX checks that had the old routing number on them. On XX/XX/XXXX, XXXX changed partner banks from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Due to this partnership, the routing number was changed to XXXX from XXXX. XXXX didn't realize the checks had the older and no longer valid routing number. See https : XXXX XX/XX/2021 I went to the XXXX XXXX branch and spoke to XXXX XXXX to close the account and get the remaining balance of {$9800.00}. 

She said I could not close the account and the bank would close it and US Bank would give me my money on XX/XX/2021. 

She sent an email to the Deposit Risk department that only bank branches are allowed to contact She said to call the Fraud department at XXXX ( wrong number ). 

I called her to ask for the correct number. She said it was XXXX ( wrong number ). 

Called again and asked for the correct number which she finally gave as XXXX ( correct number ). 

She called me in the afternoon and said I needed to call my branch in XXXX XXXX, ID where I opened my account. 

Spoke with XXXX at XXXX. He said that the main office said he could give me the money but didnt know the exact balance so he refused. He had a rude attitude Called my son in law and asked him to call XXXX. He called him and explained that he was the one to make the mistake. XXXX offered to forward over documentation that his XXXX account had more than enough funds to cover the checks and the mistake was a routing number that had changed on this account. XXXX said he would look into it and call XXXX back. XXXX never called back and no more updates have been received by him. 

I completed a form on XXXX XXXX. 

XX/XX/2021 - XXXX XXXX XXXX XXXX called and said I should contact the Consumer Financial Protection Bureau and send him these details. 

I'm attaching the evidence : * Deposit receipt * Copy of one of the checks from XXXX 's XXXX account * 2 letters from US Bank " RE : A hold has been placed on your account ending in XXXX '' * Ledger from XXXX 's account showing his account balance had enough funds XX/XX/2021 the date of the deposit.

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 2019-12-15
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX refuses to honor the bonus offer as documented in my credit card account approval letter after I acted in good faith and met the specified requirements. 

XX/XX/XXXX - I applied for a XXXX  XXXX XXXX and received an account approval letter dated XX/XX/XXXX. The letter specified my credit limit, PIN number, and most importantly offered me XXXX AAdvantage bonus miles. The approval letter stated, " Earn XXXX XXXX XXXX AAdvantage bonus miles after spending {$3000.00} in purchases within the first 3 months of account opening. '' XX/XX/XXXX - I surpassed the {$3000.00} spending requirement. 

XX/XX/XXXX - I spoke with a customer service representative and was subsequently forwarded to a supervisor named XXXX XXXX XXXX XXXX. She told me that the bonus miles offer was active on my account at the time I received my letter in XX/XX/XXXX but it was removed from my account in XX/XX/XXXX. She stated that she does not have the ability to add it back to my account. 

XXXX claimed that it was removed from my account in XXXX because I had previously had this credit card with Citi in XXXX ( closed XX/XX/XXXX ). I told her I have this offer in writing in my account approval letter and there is no mention of any such condition. She countered that the restriction was in the application. This is false. The application stated that I must not have opened/closed an account within 24 months to receive the bonus offer. Furthermore, the account approval letter is documented proof that I met the requirements for the offer. 

XXXX acknowledged that she has received similar complaints to mine, but there is nothing she can do. Accordingly, I believe this is a wide spread deceptive practice used to increase revenues on new credit card accounts. I hope a regulatory investigation is performed.

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 2017-06-06
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a Santandar charge off on my credit report that has an address that is not mines and I have never lived at that address.

Company response to consumer: Closed with explanation