BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
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:
On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was 97 % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with XXXX, which I did.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: SC
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:
Somebody got a first access credit card in my name without my consent it 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 2023-12-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was a customer of Union Bank in California since XXXX. I discovered in XXXX of this year, that Union would be absorbed by US Bank. Knowing this, I called both Union and US Bank to be advised on where I should pay my current Union Bank credit card. I paid it out of my Union Bank checking account as I was directed to do by both banks. I paid the amount that was due for the month on XX/XX/XXXX - {$780.00}. 
When Union Bank transferred all of my accounts and funds to US Bank, I saw my credit card balance was {$2200.00} which still included the amount that I had paid, {$780.00}. My payment was not credited or processed. 
For the last 5 months, there has been no way to contact Union Bank or a working website or any of my past emails. 
Since XXXX, I have been on the phone and in the offices od US Bank trying to resolve this issue. As requested by the bank, I have filed reports of findings as to what has transpired over a dozen times. Ive spent countless hours doing this. Below are key bullet points of what has conspired. 
1. Made sure I Paid Union Bank credit card via website as instructed ( {$780.00} ) - XX/XX/XXXX. 
2. US Bank transferred/absorbed my accounts- XX/XX/XXXX. 
3. My Union Bank credit card balance did not reflect my payment when transferred to a new US Bank CC. 
4. Multiple US Bank credit card and checking account managers have told me that over XXXX Union Bank customers are dealing with this same issue and that it should resolve when everything is fully integrated but it has been too long. 
Furthermore, the credit card managers keep sending me to the bank managers and vice versa. Nobody will take responsibility. 
5. I have submitted additional reports of what has transpired and all have resulted in letters asking me for statements that I can no longer access. Union Bank is completely shut down and when I would click on a past Union Bank email it would directing me to a US Bank log in. Today, when I click on past Union Bank emails, nothing comes up. 
6. Throughout this period, US Bank assured me the card would not acquire interest as this was being figured out, however, the bank did charge interest every month and I had to continually call to get the interest taken off. 
7. I have transferred my US Bank credit card to another bank card to avoid further interest charges.

Again, I paid my monthly credit card amount due and the amount was not credited.

8. I finally contact XXXX XXXX, XXXX XXXX XXXX President to get help on XX/XX/XXXX. After two months, all he did was send it to another Branch Manager who has no idea how to solve the problem. In the past, they blame the credit card company. It is clearly the fault of US Bank/Union merger as records were lost.

9. Please help me.

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 2022-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First, I have Capital One direct deposit. 
My complaint is about Capital One credit card Walmart. I had them for over a year. I have EXCELLENT payment history. The same day I made a complaint through this company for XXXXXXXX XXXX Capital One closed my account. They said I had a return payment in XXXX. That is why they closed it. I have my payment history. Hopefully I can include this. This is a bit spooky. I make like 5 or more payments a month. If I messed one up, in XXXX, is that a reason to turn off my account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: KEYCORP
State: DC
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:
During the month of XX/XX/XXXX, Key Bank misapplied my payment to another individual 's account. When I inquired with Key Bank they said they did not receive my payment. I told Key Bank to check their records again because the money order ( attached ) was in fact cashed by Key Bank. Due to Key Bank not locating my payment they counted it as a late payment ( Key Bank reported that to the 3 credit bureaus ) and that caused a financial hardship at that time. Therefore, I had to make a double payment. I have called Key Bank on numerous/several occasions to get this resolved, but as of XX/XX/XXXX, nothing. Key Bank continues to give me the run around. I was referred to a representative name XXXX ( who has no supervisor per Key Bank employee name Trivia ) to work on resolving this issue. XXXX asked me to give her a week to find out the details. It has been a month and still no call from XXXX. I wrote to XXXX XXXX XXXX, Key Bank CEO, and again no response other than receiving my return receipt green card ( attached ) back. This is defamation of character and this has caused me to miss out on business opportunities because of the late payment Key Bank has placed on my credit report with all 3 credit bureaus. Key Bank needs to be held accountable for this, which has caused problems for me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
I booked a room on XX/XX/2019 online. The reservation and advertising was for " XXXX XXXX XXXX XXXX XXXX ''. On arrival at the address for Hotel given on my receipt, I was unable to find the Hotel because there was no such Hotel at that address. The Hotel at that Address was actually signed and displayed internally as " XXXX XXXX XXXX ''. I asked Management on duty and Management claimed the Hotel had changed ownership very recently and was planning to update their advertising. I refused to stay and was denied a refund by the Hotel. The booking service did give me a coupon coverage a fraction of the costs of travel, rebooking and the actual room cost. I have done research and the Hotel NEVER did update to XXXX XXXX XXXX XXXX XXXX or provide me any proof that the Hotel was ever in fact ACTUALLY the XXXX 's XXXX XXXX XXXX, I sent pictures, documentation and phone records of the original reservation all showing the discrepancy in an attempt to resolve the dispute. The charge and reservation are a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a
payment on a credit card account under an open plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Mercedes Benz Financial Services
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Mercedes financial 2 yrs ago accepted my lease turn in and then charged me {$1000.00} for extras and I had made all My payments for 3 yrs lease

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
I have disputed these items multiple times and cant seem to get the furnished results as deleted. 
I have no knowledge of these inquiries as a prior victim of identity theft these inquiries should be DELETED.

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 2022-06-09
Company: CAVALRY INVESTMENTS, LLC
State: WV
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:
CAVALRY PORTFOLIO SERV {$13000.00} XXXX ... I have tried to explain to this company who bought out my XXXX XXXX XXXX that I do not owe this. I am XXXX XXXX XXXX. I do acknowledge that I signed up for the XXXX XXXX but I did not purchase anything. I also explained that I didnt receive anything in the mail or by phone before it went to collections and was bought out by CAVALRY PORTFOLIO SERV. They replied that they sent mail. I am XXXX and do not collect my own mail. I also asked why it wasnt sent by certified mail? I requested a copy of this debt and I am completely disputing it. I have made multiple attempts to work with CAVALRY PORTFOLIO SERV to remove this debt as it severely affects my well being physically and mentally from the stress. After receiving a copy of the debt they bought I have reviewed it thoroughly and theres no proof I made any purchases. Theres proof I initially signed for the card but thats it. I got XXXX XXXX shortly after signing up for this card and I didnt make any purchases. I dont even know how the credit limit was so large as I only make {$270.00} a month on XXXX XXXX XXXX  XXXX I would never be able to pay this back and I believe I am a victim of credit fraud. I need help resolving this issue as CAVALRY PORTFOLIO SERV is not willing to listen and keep saying I was notified by mail. I explained I didnt receive the mail and theres no way without them sending it certified to prove I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: ACS Education Services
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and XXXX know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and XXXX regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, ACS is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former ACS now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For some reas on Convergent has not sent me proof o f my obligation of this alleged debt as requested and continues to report this trade-line to the  XXXX  major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.     I disputed this account directly with Convergent on  XXXX   XXXX ,   XXXX  . To date, Convergent continues to ignore my requests and they continue to ignore my consumer rights.     I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.     Who verified this account? What documents did they use to verify? Where are the documents used to verify?     The only correspondence that I received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention tha t Convergent know th ey can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Convergent is blatantly disregarding the law.

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both TransUnion and XXXX know the school loan was in deferment and the information has been reported to TransUnion. I am being harassed by both TransUnion and XXXX regarding my school loan data. My Credit report is required to be updated by TransUnion and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both TransUnion and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NY
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:
After a XXXX previous investigation by CFPB XXXX FDIC XXXX XXXX XXXX XXXX XXXX XXXX Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and Equifax account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 then filled out and submitted unauthorized ACH return forms for the transactions and any future attempts.I was told that a stop payment would be placed and I would incur additional charges. I shared with the BOA representative That I had contacted the Company in regards to them not following the terms of the lease and attempting to take money before its due date. The company did not respond as they indicated they would. I also told the representative that I had filed complaints with my state attorney general and the FTC about the company XXXX 's conduct

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 2022-09-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2022-07-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}.

Eventhough the bills didn't belong to me I paid off all of the bills and XXXX whole.

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