BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Upon review of my credit information reported on the credit bureaus, i noticed certain inaccuracies and incomplete and wrong information reported on my credit reports i disputed these accounts with experian : XXXX, XXXX, XXXX : XXXX. These accounts reporting are obsolete, unverifiable, several attempt to experian to delete these incomplete informations have proved futile. I have contacted the sources who have not confirm the accuracy of these reportings. I believe it is in the best interest of the consumer to have unverifiable, obsolete, incomplete information removed from my credit report. 
Again, this account from XXXX XXXX : XXXX is also inaccurate, i disputed this information with experian and XXXX at the same time, equifax DELETED THIS ACCOUNT BECAUSE IT WAS INACCURATE AND UNVEREFIABLE, i have attached a copy of the outcome of the dispute from XXXX to serve as a proof. I want these informations be removed immediately since im consulting with a consumer attorney about any legal process involved. Please forward this to experian to help me resolve this issue immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian for the past 3 mouths this company will send up dated credit reportAll XXXX will not sent out letters of dispute will take off accounts that someone usedI need up date report on all XXXX I ask to delte the late charges the bank will not send mestanding ments of what been charge date back XXXX of 2014. 
Copys of letters that I sent for the last XXXX mouths all XXXX not every good company to do business I have a right to dispute what is on my credit all I get is the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureau to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until I paid off this bill and my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.

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 2015-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit it says I owe the government XXXX dollars which is n't even possible for a XXXX XXXX XXXX who has never had a school loan or a car loan. This is mistaken for someone else and I know it was not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are a number of items on my credit report that have been closed pre consumer request, that i would like removed form my credit report due to the alloted time they have been closed. In addition to, some item that to do not belong due to fraud/ identity theft that should be removed from my credit report. Thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2016-10-07
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
First of all I want to express my anger and frustration with US Bank Home Mortgage. They have done absolutely nothing to help us resolve our mortgage issues. We have requested to have a loan modification 4 times in the past several years and have been turned down each time. My husband is working XXXX jobs in order for us to be able to afford the mortgage payment each month and he can not do it anymore due to health concerns. He has XXXX. I recently under went XXXX to XXXX am unable to do the many simple everyday tasks at home I used to do. We have expressed this to US Bank on our last request and they did say we were eligible for the loss mitigation program and after 5 months of waiting they sent us a letter denying our request as we did not qualify. This is ridiculous. All we want is to lower our mortgage payment by refinancing so we can get a lower interest rate. They refuse to help us. They basically told us we need to stop making payments to get their help. Why on earth would be ruin our credit when we have worked so hard to restore it after having to file bankruptcy back in XXXX? We can not get a loan anywhere else due to the fact our current mortgage is way over the value of the home. US Bank approved our loan back in XXXX for {$260000.00} based on a bogus appraisel done by XXXX. Our house was never worth {$260000.00} especially when we purchased it originally in XXXX for {$150000.00} ( this was a brand new construction home ). US Bank did do a drive by appraisel on XXXX/XXXX/XXXX and appraised it at {$180000.00} that is a far cry from {$260000.00}. We still owe {$230000.00} on the mortgage so we are basically SOL going anywhere else to refinance. This has been a total nightmare since we started this process back in XXXX. We are at our wits end with US Bank. What gets me is they can go and spend XXXX XXXX dollars on a new football stadium, but they refuse to help us. This is why people do crazy things that they normally would n't do. Another thing is there customer service sucks! They are absolutely no help and no one has a clue what the other one is doing or has done. I know we are not the only customers of US Bank with issues, I have read hundreds and hundreds of complaints about US Bank. Someone needs to stand up to them and hold them accountable for approving bogus loans. We are now at the point of just turning the home over to US Bank and let them deal with trying to get {$230000.00} for it. We are fed up with US Bank and their shenanigans!!

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 2019-12-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the week of XX/XX/XXXX I made a deposit consisting of money orders that were made to the order of myself. They were totaling XXXX dollars. The bank automatically assumed that it was fraudulent and freezes my account. They have not told me what is going on and consistently lie to me about the status of my checking account. They automatically made the assumption that I was cashing money orders fraudlently. They automatically thought I the person who the money was for was a scam because I talk to him online. The bank has froze my account due to the fact that I deposited these money orders in my account. They have not told me what is going on reguarding the status of the account and XXXX only told me that I would be implicated because of the money orders being deposited in my account. They have violated my rights to privacy and had automatic assumption that I was using the account for fraudulent purposes they told me they contacted the sender but will not state what she said. They show no interest in The identity of the person who I was going to send the money for nor do they have an interest in identifying him even though he was the person who instructed the sender to send me the money orders and gave the sender my information. The banks only interest is to implicate myself as a fraudulent person and not the actual receiver of the funds that I deposited in my account. The bank is not being transparent or honest about what is going on with my account. It seems the bank had closed my account even though customer support representatives state that their is only a hold the account. They have contacted the sender who is giving multiple reason for why the funds were sent to me. I had a person on my behalf contact the bank to clarify what the funds were for as I told the person that I talk too online to tell them what the funds were for as the funds were for him. The bank not interested about who the funds were for but seem to be seeking to close my account and implicate myself as a criminal for the fact that I was sent money orders that were ordered to be paid to myself with out the bank actually being honest about what the bank investigated and found out and was told about the funds in my account. They treated myself without any dignity have no reguard for my rights as a person as they do automatically assume that there is something wrong they also dont follow the law as I have had other problems with the banks practices reguarding my business with them. They should never automatically assume that Im depositing money orders for fraudulent purposes which I am not. The bank subjected myself to an unreasonable search and seized my money without being honest about what is going on reguarding my 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 explanation
Consumer complaint received 2021-07-07
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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: NC
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:
DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: U.S. BANCORP
State: MS
Product: Credit card
Issue: Billing disputes

Complaint:
MY CREDIT CARD COMPANY WILL NOT GIVE ACCESS TO MY ACCOUNT. I I NEVER RECEIVE PAPER STATEMENTS TO CHECK ACTIVITY I HAVE TRIED TO REPORT {$3100.00} IN FRAUDULENT CHARGES THEY WILL NOT ACKNOWLEDGE OR RESOLVE THEY WILL NOT PROVIDE ME WITH ANY STATEMENTS THEY WILL NOT GIVE ME ACCESS TO ONLINE ACCOUNT THEY HAVE REFERENCED XXXX DIFFRERENT ACCOUNT NUMBERS WHEN SENDING EMAILS. 
I AM NOT ALLOWED ACCESS TO ANY OF MY INFORMATION. 
THEY APPROVED UNAUTHORIZED CHRGES MADE OUT OF COUNTRY WILL NOT ANSWER ANY OF MY QUESTIONS REGARDING MY ACCOUNT THEY RE-OPENED CLOSED ACCOUNT WITHOUT MY KNOWEDGE HAVE OPENED NEW ACCOUNTS WITHOUT MY APPROVAL IGNORED ATTEMPTED CHARGE DISPUTES WILL NOT PROVIDE ME A TRANSACTION HISTORY WILL NOT ASSIST WITH ACCOUNT LOGIN INFORMATION DID NOT RED FLAG SUSPICIOUS ACTIVITY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My initial dispute about the same account to Equifax was deemed account information was accurate. On XX/XX/21 I submitted a second dispute to Equifax credit bureau regarding the collection account on my credit report, XXXX XXXX XXXX totaling {$2000.00}. After receiving a debt validation letter from me, the collections company provided a letter to myself and all major credit bureaus advising the account should be deleted from my credit report. On XX/XX/21 the item was deleted, but my credit score dropped 16 points instead of increasing. There have been no other recent negative accounts placed on my credit report. Ive contacted Equifax via telephone, but have not been given a satisfactory explanation and my request to have the situation reviewed was denied. I was advised no change could be made. Id appreciate any assistance to obtain the reason my credit score dropped significantly AFTER having a negative account deleted off my report. It seems like there maybe some kind of calculation error, but again my request to Equifax to review the issue was denied. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: MD
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:
The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation Bowen v. Needles Nat.Bank,94 F 925,36 CCA 553, certiorari denied in 20, Ct 1024,176 US 682,44 LED 637. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a XXXX transfer from another bank account I have into my Atlantic Union Bank joint checking acct for XXXX around XXXX XXXX  on XX/XX/XXXX. These funds were placed in my available balance immediately making my available XXXX. I then transferred XXXX out of my joint acct into my single checking acct at Atlantic Union. My available balance was left at XXXX and was never negative. 
On XX/XX/XXXX, I was charged a XXXX overdraft fee for the XXXX I transferred out on XX/XX/XXXX AFTER the money I transferred from my other bank had been made available to me for use. This is beyond misleading to show funds available and allow them to be transferred out and then charge an overdraft fee for that. 
I called about the fee that was charged on XX/XX/XXXX at which time my negative balance after the XXXX fee was XXXX. This points to a problem since my total negative was less than the fee charged! Atlantic Union refunded the fee charged XX/XX/XXXX as a " courtesy '' but then told me that ANOTHER fee was going to come out because before they charged the fee on XX/XX/XXXX, I had move another XXXX into the acct on XX/XX/XXXX before they took the first fee out and then immediately moved XXXX to another Atlantic Union acct. AGAIN, these funds were available to me when I did this. So then they take that first XXXX fee out and then post my transfer AFTRR the fee, which makes it look like I also overdrew on the XXXX transfer out. So they charge me ANOTHER fee of XXXX. This is insane. My balance is again negative XXXX which is still less than the fee charged. I'm being charged a fee because of a fee and that is crazy! My available balance was never negative and I never initiated a transaction before funds were in my balance to use. The posting logic of this bank is set up in a manner to drive fee income and take advantage of its customers when funds are already low. I want a refund for the second fee assessed to my acct. I want to point out again that my acct balance was never negative and although I understand that you can't initiate a debit and THEN move funds in to cover that debit I did my credit transfers first, checked my available funds and initiated debit after that and based on what was AVAILABLE to me. 
Fix your posting logic or eventually you will get be involved in a lawsuit. Bigger banks have already gone through similar disputes in court and lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BARCLAYS BANK DELAWARE
State: NH
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:
Barclay ran a hard inquiry without my consent. I requested a credit increase and was told there would be a " soft '' inquiry, which is far less detrimental to my credit score and 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 2015-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
While reviewing my account statement on or about XX/XX/XXXX, I noticed unauthorized and fraudulent charges to my account beginning from XX/XX/XXXX thru XX/XX/XXXX posting as date of Transaction totaling about {$22000.00}. I immediately contacted BANK OF AMERICA and advised them that I did not at any time authorize or consent to the charges that reflecting in my account. I was advised that it will be investigated and appropriate correction made. I was not contacted or advised of the outcome of the investigation, though I continued to make my monthly payments including this fraudulent and unauthorized charges to my account. 
On or about XX/XX/XXXX, I contacted BANK OF AMERICA again requesting for this matter to be resolved because it was having a toll in my finances. I was again advised that an investigation was on going and that I will be duely notified when completed and advised me to continue making payments to avoid negative effects on my credit, to which I complied. 
To this extent, BANK OF AMERICA did not contact me nor send me any notification per the completion of the investigation. I kept calling and never received any assistance from any staff. 
Thereafter, on XX/XX/XXXX, I contacted BANK OF AMERICA and disputed the validity of the DEBT and staff advised me that there was nothing on file for this matter as I stated. STAFF promised me that he will get to the bottom of this and that someone will be in touch with me within 60 days with a resolution. To this regard, nobody contacted me or the matter resolved. 
Therefore, on XX/XX/XXXX, I called and was upset and enraged that nothing has been done to resolve my complaint of ID THEFT resulting from unauthorized and fraudulent charges to my account, BANK OF AMERICA staff advised me that there was no file for this complaint and that I need to file an official complaint for an investigation into the matter. BOA has failed to investigate my complaint of unauthorized and fraudulent charges of ID THEFT totaling approximately {$22000.00}, in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS, causing me to suffer irreparable injuries of mental and physical injuries of XXXX distress in my marriage, XXXX and serious economic loss resulting from gross negligence of BOA failure to act accordingly. I have continued to suffer financial difficulties resulting from BOA total disregard to the rule of law per my complaints of ID THEFT, where I have been denied and deprived access to new credits and/or business financing based upon my DEBT TO RATIO INCOME and HIGH CREDIT UTILIZATION in part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation