BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
US Bank has charged unauthorized charges back to an account they closed. 
They are not legitimate and continue piling on unathorized charges to a closed account to fraudulently increased the amount owed on this account. 
All i want is a truthful balance so it can be paid off and I can be rid of this terrible Bank but they keep cheating denying due process on disputes that were open before the closure. 
This arbitrary process of charging a closed account and accunumlating fraudulent interest on top of it must stop now.

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 2015-10-30
Company: URS Holding, LLC
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received communication from Enterprise Recovery System ( ERS ) stating I owed them for a defaulted private student loan through XXXX for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. XXXX XXXX XXXX the original lender have no record of this loan and referred me to back to ERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On about XX/XX/XXXX I received written communication from Resurgent Capital Services stating I owe {$470.00} to an original creditor named XXXX XXXX XXXX XXXX that that debt is now owed to LVNV Funding LLC. On XX/XX/XXXX I responded in writing to Resurgent requesting validation, competent evidence bearing my signature showing that I have some contractual obligation to pay this debt. On XX/XX/XXXX and XXXX, Resurgent responded by sending me a printout of a bill payment dated XX/XX/XXXX. On XX/XX/XXXX, I again sent written communication to Resurgent Requesting verification of the debt. On XX/XX/XXXX and XXXX, Resurgent again only responded with a printout of a bill and request for payment. Resurgent has entered negative information on my Credit Reports in regards to this issue and has failed to send me viable evidence that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/14 I underwent a XXXX procedure ( XXXX ). Prior to the procedure I was assured by XXXX that my insurer, XXXX, would cover all expenses, including XXXX, as long as the XXXX bill was no more than {$400.00}. I was further assured that this had not been an issue in prior procedures. Base on that information, I anticipated that my XXXX bill would be covered. 

Since that time, I have received constant demands for payment of {$2200.00} from XXXX XXXX XXXX XXXX. I had no choice in the selection of this XXXX, who is an out-of-network provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: PA
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 my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had multiple charges from the same company occur on my credit card billing statements. The company is XXXX XXXX which I have never used in the past. The charges are for different amounts and theres one almost every month. Bank of America only shows two different claims although Ive called at least six times, for multiple different charges. All the other charges have been deemed as fraud, until the last charge. They are stating because Ive had other charges from XXXX XXXX that they will not consider this fraud even though the past charges from XXXX were considered fraud. I finally had to close down this credit card because the amount of fraudulent charges.

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 2015-12-17
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Sent cease and desist letter on XX/XX/2015 and sent another notice XX/XX/2015. I was on XXXX and file a renewal for XXXX at a different location twice, but XXXX of XXXX, LA. lost paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My husband who is XXXX year old military veteran, in declining age and in the early stage of forgetting things esp. when he takes pain medications, got involved in a trade- in transaction with XXXX XXXX thru an agent named XXXX XXXX , of XXXX , XXXX , XXXX. My husband used Kia Spectra, XXXX that is both in his name and mine to get a used pick up truck. 
The trade-in deal was hurriedly done, and within an hour or so, when I came home from my part-time job, I saw the red pick-up in our carport. I t came a surprise because that Kia was a perfect running condition, mortgage free and in fact XXXX XXXX XXXX offered to buy it back as trade-in for a newer model. 
Realizing that he could not pay the monthly payments for the used pick up truck, my husband called to return it on the second week.It was picked up after more than two weeks. 
As a wife of XXXX years, I asked about a signed contract for the transaction, but my husband had no copy to show me. Neither was there a copy of the return transaction. In short, I did not see a contract at all! 
I would describe this deal as done without following proper procedures. There was no careful screening as to the financial background whether my husband could afford to pay or not. Also, no proper interview was done to ascertain my husband health issue as to competence in making a car purchase without consulting me as a wife. If the agent was careful enough he would have seen that my husband could hardly talk, hardly walk, and even hard of hearing on his right ear. My husband is XXXX, and has XXXX. With medications he gets XXXX and does things he does not mean to do, like buying he truck he did not need. 
Now, my husband is facing a debt collection from United Recovery Systems based in XXXX XXXX in the amount of {$6200.00}, dated XXXX XXXX, 2015 thru the agent named XXXX XXXX. The Creditor named is XXXX XXXX XXXX, XXXX. But Actually, the deal was with XXXX XXXX in XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made on time payment and the bank is saying, my $ XXXX a months mortgages payment funds will not be applied to my account, plus they trying to force me to modify but I 'm very happy with my 3.250 % fixed interest rate.The Bank is SPS Select Porfolio Servicing, Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Nelnet, 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: Account information incorrect

Complaint:
There are 4 late payments showing on my credit report from Nelnet on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; Nelnet stated all late payments were to be removed. 2 years later and multiple disputes they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to have my XXXX mortgage company Select Portfolio assist me with having my XXXX mortgage subordinate since XXXX 2015. My XXXX lien holder submitted the paper work on XXXX XXXX, 2015 I spoke with a agent of Select Portfolio who indicated the paperwork was received and would take five days for review. I was informed by a agent of Select Portfolio on XXXX XXXX that my case was closed out because we fell to send them paperwork that was requested. ( Here is the problem ) The same day that Select Portfolio request this information they updated the notes in my file stating what paper work is needed they then close out the request without me or my XXXX lien holder ever receiving the information. I am assigned a case manager XXXX XXXX but as of this writing I have never spoken with her, she has never contacted me and my request to speak to her have been denied. On XXXX XXXX, 2015 after speaking with XXXX XXXX in the ombudsman department she attempted to assist me by having me send all of the requested documents to her directly and she would walk my paperwork over to the supervisor of the subordination department. On XXXX XXXX, 2015 I spoke with XXXX XXXX who informed me all the documentation was received and delivered to the Subornation Team and again it would take them five days to review. I contacted Select Portfolio on XXXX XXXX, 2015 to find out again my request was closed do to paperwork being requested by me. Again I was never contacted by any agent of select portfolio nor was my mortgage company notified. At this point, I have no choice but to believe Select Portfolio has any interest in helping us with the modification of our first mortgage. If this modification is granted we will see a {$500.00} dollar deduction in our first mortgage which will have no adverse effect on my payment obligation with Select Portfolio. However I will not be able to succeed in making this happen because Select Portfilo ( XXXX lien holder ) has to sign off on the agreement in order for this to happen. I am seeking to make a complaint against the company for above matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
my account with XXXX has been settled. originally equifax had the information correct on my report but then changed it to open with a balance of {$400.00}. it should be closed with a zero balance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have recently have contacted via phone Equifax regarding my credit report. There is inaccurate information, like credit limits, missing payments, accounts that do n't belong to me, unauthorized inquires on my credit report. Equifax have told me that they were going to fix it but at this point they have not fixed anything, I have not even received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Equifax has all these inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
PORTFOLIO RECOVERY ASSOCIATES has made several calls before XXXX, the last being XXXX The time previous to this last call I had informed them I was in California and what time it was here - XXXX They are calling from XXXX VA. and chose to ignore the time difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in reguards CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit

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 2020-12-24
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had leased a XXXX XXXX XXXX and the bank is US Bank acct # XXXX The lease was due in XX/XX/XXXX and at that time I was unable to get a new car lease ( lack of option due to lack of production due to Covid ). I called US BAnk and went over th extension options. The options given were either month by month or a 6 month extension. i choose the month by month option as I was hoping to get a new vehicle sooner than later. Each month I would call ( each call took 30 minutes as their customer service stinks and bounce you from department to department ). I would tell them that I needed to extend and would pay by phone. They mysteriously charged me tax again on the lease each month. 

Now that I have turned in my vehicle I have received a letter stating that the lease is in default and I only extended for 1 month. I am currently on the phone with them going on 1 hour, again being transferred from department to department. I am being told that there re now lease termination fees and because the lease has not been extended I know need to pay additional for all the excess miles. 

I have paid 5 additional months, on time, since the end of the lease as I have been instructed to do each month.

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 2022-08-04
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:
The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$4600.00}

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 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.

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 2016-09-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint twice already stating I never filed a BK that is showing a dismissed BK that is showing on my credit report. This has cost me a government hiring. They told me they verified it and it is correct. I called the XXXX Bankruptcy Court and spoke with the clerk in the office. She stated to me we do n't verify any info over the phone or thru mail. If Equifax does n't remove this then I plan on filing a lawsuit against them and sue for damages. I have been extremely nice to them with my letters and stating the facts. I want this damaging information on my credit report removed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It is time for my daily complaint Equifax , we should really try to get to know each other, whom ever reads my complaints. Let me know in your reply, we might be friends once Equifax stops breaking the law and fixes my credit report. Anyway, as usual, XXXX XXXX XXXX has said they have reported nothing to Equifax and I even sent you proof that in XXXX, my wife had a XXXX XXXX XXXX account changed to her married name so how can she close XXXX in XXXX in her maiden name? XXXX XXXX XXXX debt is not mine but either way, the debt was discharged in a settlement that I have sent Equifax , and lastly I have never had a XXXX account and they have also said that they have reported nothing to Equifax. These conversations happened on XXXX XXXX, why does n't the CFPB not ask for the recordings so they can catch Equifax lying?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have presented an Afidavit from XXXX XXXX XXXX XXXX regarding an erroneously reported {$1300.00} State Tax Lien that simply states that the lien should never have been posted and has officially been deleted from their records. In addition, the court asks that all credit bureaus remove the lien in the public record 's section as it never should have been picked up the bureaus. Both XXXX and XXXX immediately removed the lien and my scores rose close to XXXX points. Equifax refuses to comply, refuses to escalate my calls, emails, and mail to a supervisory level and refuses to offer an explanation or afford my wife or I the opportunity to discuss. I have also filed a complaint against Equifax with XXXX XXXX XXXX, Chairman of the XXXX XXXX. Equifax 's XXXX Mortgage Score XXXX is below my mortgage loan threshold so I 've had to personally spend my IRA money to finish my retirement home after 40 years of XXXX. Equifax 's refusal to comply with the XXXX XXXX of XXXX XXXX will cost me more than {$2.00} XXXX of my life 's savings and IRA. Their ability to negatively affect any US citizen 's life without any accountability is unacceptable. In my opinion, the laws regarding the for profit credit bureaus need to be changed and Equitable should lose their right to issue credit ratings. Essentially, they are ignoring the court 's request, for no valid reason, and seriously affecting my life. They seem to be going out of their way to destroy my finances ... because they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation