BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I opened a business platinum money market account ( Account # XXXX ) with US bank because they were running an online promotion that after having a minimum {$25000.00} deposit in the account, I would get a bonus interest of 4 % for the first 6 months. My zip code for opening the account is XXXX. My deposit was above {$25000.00} ( approximately {$190000.00} ) after XX/XX/2023. 

Unfortunately, I have only gotten 0.25 % interest rate on it so far giving me a total paid interest of {$38.00}. My account still reflects an interest rate of 0.25 %. When going on the website, even at this time ( https : //www.usbank.com/business-banking/business-bank-accounts/business-savings/business-money-market-accounts/platinum-business-money-market-account.html ) you can see their promo is now increased to 4.5 % Interest. 

So far, I have had multiple phone calls with US bank and every time, I get pushed back with saying a supervisor will be in contact with me and this should be resolved soon. I even filed a Case ( Tracking # XXXX ) and have had my last phone call with XXXX XXXX and her Supervisor XXXX on XX/XX/XXXX. There has been no resolution on the issue so far. 

To resolve the problem, I would appreciate that I get the promised interest of 4 % applied to my account and I am paid the interest that I am owed since XX/XX/XXXX on this. Enclosed is an attachment of the PDF of the website showing the current promotion that is going on for 4.5 %. 
I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address or by phone at XXXX or by email XXXX Sincerely, XXXX 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 2023-06-15
Company: Texas Guaranteed
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:
The Master Promissory Note you provided was handwritten, not data entered into a computer system. The handwritten data is not my writing in print and the signiture is not mine. The date of birth is not mine which was also handwritten. I provided documentation with my handwriting in cursive, print and my driver 's license with my correct date of birth. Although I completed all request i was asked to do from your company, you still continue to hold me accountable for a debt that's not mine. You did not provide a full copy of the original Master Promissory Note. Please provide the following data, a full original copy of the Master Promissory Note from the original creditor, please provide a full copy of the original loan documents and application with the wet signiture or esigniture from the original creditor. Please provide a full payment history from the original creditor. Please provide the original purchase agreement from the original creditor to Trellis Collections Company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 2023-06-28
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: Information belongs to someone else

Complaint:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2023-04-28
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX - In reference to my compliant ID number XXXX. ALLY Financial responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by ALLY Financial. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the Ally payment history date and amount of days late. The XXXX report is saying 60 and 90 days late and the Ally financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that Ally is report false information to my credit reports sence XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian charged my account without my providing them with my debit card or banking account information!!!! I want to know where they got my banking information from in order to charge my account without a request or my authorization?!!! 

This was done electronically and it is very scary to know that a company can just go into my account without my providing the banking information and authorization.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX Date opened XX/XX/XXXX Balance {$720000.00} XXXX Late Date 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 2023-01-13
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I emailed Firstmark customer service and asked them to define the " credit worthy '' conditions to have a cosigner removed from my private student loans. Firstmark who services 5 of my private student loans formally through XXXX XXXX responded by email stating " We regret that we are unable to provide that information. You may complete and return a cosigner release application and it will be reviewed and an approval or denial letter will be sent. '' By not providing consumers with the parameters with which Firstmark determines a person credit worthy leaves the door wide open for Firstmark to deny every application to remove a cosigner. They can literally say that a person with a XXXX XXXX XXXX does not meet their criteria in order to keep as many people on the hook for this type of debt. This needs to be addressed immediately. It's horrible enough that student loans are subject to unfair bankruptcy standards, but to allow loan servicers to withhold information to release a cosigner should be considered criminal. Please help me resolve this issue. 

*Side note : All payments to Firstmark have been made in full and on time since the repayment period started in XXXX The cosigners are my elderly parents in their XXXX XXXX XXXX XXXX  's respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The information being reported is incorrect, they have a name that is not mine reporting on my credit report and I have never opened any accounts with the name they are reporting for 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 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I wrote a check for {$670.00} even. The very next day looking at my bank account I noticed a withdraw of {$970.00}. The check clearly was written out for {$670.00} both numerically and with the write grammar of XXXX XXXX seventy-five dollars. ON XX/XX/XXXX I called customer service at US Bank to confront the issue. I was first told a supervisor would need to investigate and get back to me with in 3 days. That never happened so on XX/XX/XXXX. I called again looking for a solution where another customer service agent informed me that a XXXX will need to file a claim. I waited a week and around XX/XX/XXXX. I called yet again only to discover the claim had not been processed accurately. Therefore no claim was set up. I am still owed {$300.00} dollars. I called XX/XX/XXXX and this time a claim was filed via claim # XXXX. I was told it could take XXXX to XXXX business days to resolve. Today XX/XX/XXXX I called again and was told the claim is still in process and yet again without {$300.00} owed to me. I don't understand how hard this is to resolved which was clearly a teller error or computer error. Please help resolve

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 2023-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Called bank fifth third XX/XX/2023. I was told I will receive an temporary release of my transaction make on XX/XX/XXXX XXXX of XXXX and XXXX in XXXX business days. Which is today on Friday XXXX XXXX. But my temporary release didnt happen. I was lied to by bank workers who knew the policy. I called because the funds was not made available to my account. Like I was told on record lines. They said the transaction was to old, but I given misleading information by this bank fifth third I was given XXXX case number XXXX for the disputed and another for my temporary release. I feel this is misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NY
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:
Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Existing claim # XXXX if you have questions or need more info contact me via email please - XXXX. I do not have a phone right now. XXXX. XXXX 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 2022-09-05
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX 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 2023-01-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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 2023-03-08
Company: EQUIFAX, 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:
I have disputed an account that is being reported on my Equifax credit report and I have not been given the evidence of how this account was verified. I have disputed this account on at least XXXX occassions and its continually verified without providing me with any info on how this was verified. This account continues to affect my family and causes us XXXX and XXXX  because we are unable to be approved for products offered by institutions. This incorrect account should be removed immediately or provide me with how this account was verified. I have challenged this account with other bureaus and it has been removed from thier reports. Equifax continues to use bad business practices and their XXXX XXXX  are well documented but the CFPB has allowed them continue damaging the consumers. The date of last payment is reporting incorrectly and date of XXXX deliquency is incorrect. Please update this information or provide detailed explanation that clarifies why this continues to show on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXXXXXX XXXX XXXX  ( Bank ) Hard Inquiry : XXXX Hard Inquiry : XXXX 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 non-monetary relief