BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-27
Company: Campus Student Funding, LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-08-16
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted a complaint to US Bank on XXXX XXXX 2016. I purchased the replacement of my cell phones. They were n't done satisfactorily my XXXX touch no longer worked the brightness was n't correct etc. I contacted US Bank to initiate the dispute after my appeals to the company went unanswered. US Bank initiated the dispute and on XXXX I received a letter ( attached ) requesting more details. I submitted the appropriate documentation approx XXXX. 

On XXXX I noticed a suspicious transaction on my account for XXXX. The description only listed " Forced ACH Debit '' upon contact US bank they indicated they had denied my claim because it was n't a duplicate charge. Upon speaking with the bank they indicated they were treating the transaction as if it was duplicated, which is contrary to what the letter I received indicates ( Quality of Service ). During my conversation it was discovered they had n't received all the documents and failed to perform any follow up or resolution. They treated the transaction as a duplicate and on XXXX I received XXXX overdraft charges for XXXX a piece. I immediately called the bank and explained that this was n't correct. The representative was immediately condescending and rude indicating that the investagation was completed and they would n't refund the amounts. I indicated that the investigation was done wrong and that it was n't treated as a quality of service claim. When I asked for a Manager i was immediately hung up on.

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00}

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 2015-12-03
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
TO START WITH I AM ON LIMITED INCOME DISABILITY AND I SAVED UP 4 MONTHS TO DO THIS IN TOWN TRIP.  I PLANNED EVERYTHING OUT HOW MUCH I WAS TO SPEND WITH MY DEBIT CARD AND THE REST WOULD BE CASH.  I LIVE IN XXXX, NV AND WENT TO THE XXXX FOR AN OVER NIGHT STAY ON XXXX.  THE MAIN THINGS I WANTED TO DO WAS XXXX AT XXXX AND THE XXXX DOWNTOWN.  I BOOKED A ROOM AT THE DOWNTOWNER HOTEL BECAUSE OF PRICE AND ITS LOCATION TO THE ZIP LINE SINCE MY RIDE TIME WAS XXXX MONDAY XXXX.  I CALLED THE HOTEL AND LET THEM KNOW I WOULDN'T BE THERE TILL AFTER XXXX.  WHAT I CHECKED IN THERE WAS A NEW GIRL WORKING THE OVER NIGHT SHIFT AND IT WAS HER FIRST TIME DOING A SPLIT PAYMENT.  I HAD HER PUT XXXX ON MY BANK CARD THE I PAID CASH FOR THE XXXX DEPOSIT AND THE XXXX SERVICE FEE.  WHEN I CHECKED OUT I GOT MY XXXX BACK THEN THE NEXT MORNING I TOOK XXXX OUT AT THE BANK AND IT SAID I ONLY HAD A LITTLE OVER XXXX LEFT.  I WENT HOME PULLED UP MY ACCOUNT AND SAW XXXX CHARGES FROM THE XXXX ONE WAS XXXX WHICH WAS RIGHT THEN XXXX WHICH SHOULDN'T OF BEEN THERE.  I CALLED THE BANK AND   I TRIED TO GET HELP STOPPING THE EXTRA CHARGE THEY SAID I HAD TO TALK TO THE HOTEL.  THE ONLY THING I GOT FROM THEM WAS THAT THE GIRL ON THE NEXT SHIFT DIDN'T THINK THE NEW GIRL CHARGED ME.  WHILE DOING ALL OF THIS I GOT XXXX OVER DRAFT CHARGES XXXX EACH.  I CALLED THE BANK AGAIN AND TALKED TO THEM ABOUT THE OVER DRAFTS AND ABOUT HOW I PLANED EVERYTHING AND THAT'S WHEN I WAS TOLD IT WAS BECAUSE OF THE XXXX CHARGE BY THE HOTEL  WAS TOLD THAT SINCE IT WASN'T THEIR MISTAKE OR MY MISTAKE THERE WAS NOTHING THE WOULD DO AND I WOULD HAVE TO GET THE HOTEL TO GIVE ME THE MONEY BACK.  I WENT TO THE BACK BY MY HOUSE AND THEY TOLD ME MY HOME BANK COULD REVERS THE CHARGE SO WENT THERE AND WAS TOLD THEY COULDN'T DO ANYTHING AND SAID THAT XXXX PUT IN MY ACCOUNT IF THE XXXX WAS RETURNED THE THE OVER DRAFTS WOULD ALSO BEEN RETURNED.  I TALK TO ANOTHER BANK ABOUT WHAT HAPPEN AND THEY SAID SINCE I REPORTED THE NEXT MORNING MY BANK SHOULD OF DONE SOMETHING AND I SHOULDN'T OF GOTTEN THE OVER DRAFTS.  SO I BORROWED MONEY FROM A COUPLE FRIENDS TO PUT XXXX IN THE BANK SO I WOULDN'T GET ANY MORE FEES AND STILL CANT PAY THAT BACK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2020-07-27
Company: EQUIFAX, 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:
XX/XX/2020 XXXX XXXX  reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX   has broken the FCRA law by reinserting fraudulent debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in 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 explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove the following inquiries. I did not authorize 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 2020-10-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
U. S. Bank and the PA Treasury sent me a Reliacard which I did not request, nor have I filed for any unemployment benefits. I checked if there were any benefits on this account and there is {$9100.00}. I have no idea how these funds got on this card but I am certain it is fraud. I had to activate this card in order to see if there were any funds loaded. So now the person committing this fraud can request a duplicate card which they probably already have. My phone number was entered into site but when I checked it shortly thereafter the phone number had been changed from mine to another. As soon as I activated the card, the person committing this fraud must have received a text alert. There is no easy way to report this fraud to US Bank ReliaCard. Please make them shut down this account and look into why they loaded {$9100.00} on a card that I never requested.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing emotional and physical hardships for my family and I. This is unacceptable Per federal law they're in violation.

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 2020-03-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$970.00} XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/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 2017-05-26
Company: EQUIFAX, INC.
State: OH
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:
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates. Equifax,  XXXX , and   XXXX   continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
opened an account online. was charged XXXX dollars and given account and notice debit card would be sent. Went into a branch and was told no money in my account. US bank stole my money and manager says I was denied and would recieve a check in 3 weeks. What? thats like an unauthorized loan. thay stole my money and still continue to get emails from them stating debit card is on the way.

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 2022-03-25
Company: Maximus Education, LLC dba Aidvantage
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 have a parent plus loan that was started in XX/XX/XXXX I had two sons at XXXX XXXX University between XXXX. Starting in XXXX the loans were deferred as both my husband lost our Jobs. We had barely any income. During these years. I started XXXX XXXX in XXXX. I did not take out a loan I was granted a XXXX XXXX. In XXXX I began work and starting make payments again. I understand that interest had to be capitalized during that period. In XXXX is shows that I owe {$65.00}, XXXX to XXXX XXXX XXXX which is incorrect. I never took out a loan at this school. My only loan should be to XXXX XXXX which started at XXXX. See attached history. XX/XX/XXXX shows another loan for {$12000.00} at 8.50 %. I have not idea what this is. I really don't think I should be responsible for this I will try and locate the XXXX XXXX approval but is has been 20 years or so. I appreciate your assistance. Additionally when I refinanced the loan at XXXX. I was given a rate of XXXX payment roughly 400 amount. At this point not really sure I owe that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan through Capital One Auto Finance and was having them withdraw payments through my bank account and than went onto a XXXX. When I got back from XXXX I had contacted the company and to set up my payments through an allotment and had it set for the amount taken out for the allotments to be able to pay off my car by the time I was getting out of the XXXX. When I had gotten out of the military I had called them again because my address had changed to get the title sent to my new location and they said that they had n't received a payment from me in about 18 months when I had original set up my allotment. I had talked to a manager later in the call and they had no record of me inputted into the records setting up an allotment for the payment. I got in contact with XXXX about this issue and nothing has been resolved about the matter and they keep asking for records of the allotment I had set up and stayed on the phone with them to make sure they received it in their email, the very next week they would ask for it again over and over again. Just feel like I am getting a run around from both XXXX and Capital One Auto Finance. I called the bank where the allotment was going to that they would n't give me the name on the account because I was n't authorized to get any information from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
US Bank approved me for a XXXX XXXX Visa card on XX/XX/2022 with a very low XXXX credit limit. I have a XXXX credit score and I need to escalate this to an executive customer service at US Bank XXXX Please increase my credit limit to a reasonable amount such as XXXX for a business credit card.

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