BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXXXXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXXXXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

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 2015-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There were XXXX liens appearing on my credit report. NYS Taxation vacated XXXX liens which were always erroneous. I provided letters showing the vacating of the liens to TransUnion. Instead of removing the liens, they reported the liens as being paid later and to be removed from my credit report later. XXXX are adverse actions to my credit and not reflective of the documentation that I provided from NYS Taxation and aknowledged by the XXXX County Clerk.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Clarity Services
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received an alert from XXXX indicating Clarity Services pulled a copy of my credit report on XXXX/XXXX/XXXX. I have not been pursing any type of financing and have no idea who these people are.I want this hard pull inquiry removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was on my Grandmother 's account an an authorized user and she fell ill and fell behind and asked that I be removed! They are refusing to remove it from my credit report and now have the account in a Terminated Status! Please see below! I do not even have the card and I am not the primary person! I have disputed it with XXXX XXXX and they removed me but the credit bureau is still showing it in error! 
Account Name Account Type Open Date Status Balance XXXX XXXX Credit Card XXXX XXXX, XXXX Open - XXXX Days Late XXXX Missed Payments {$0.00} 0 % of Credit Limit* Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Terminated Balance {$0.00} Highest Balance {$420.00} Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor Payment History Latest Status : XXXX Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK J F M A M J J A XXXX O XXXX D XXXX XXXX Days Late Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , XXXX 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 2020-12-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In 2020, I have incurred purchase interest charges every single month on my Sapphire Preferred Card. The charges are typical, as with most credit cards. Like many other Americans, I lost my employment during the pandemic. Ive used my unemployment to help pay down some of these charges, but the interest charges are in the hundreds of dollars every month, severely limiting my ability to pay down my debt. 

I contacted the bank, since I havent had any previous fees reversed on this card in over three years, to see if they would reverse any interest charges as a courtesy during this hardship. ( These monthly charges range between $ XXXX $ XXXX ) The response was that the bank ONLY reverses any type of charges for customers who have the ability to pay their credit card off in full at the end of the month. This type of policy specifically has a DISPARATE IMPACT on folks who are in a similar situation. Folks who are capable to pay down debt are afforded fee waivers upon request, while those going through a challenging time face no forgiveness. 

COVID19 reliefs at Chase doesnt help this scenario since interest still accrues even if payments are deferred. I asked for any help to have some interest charges reversed, only to be declined without regard or sympathy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: U.S. BANCORP
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
had an account with US Bank, used it quiet a bit for reservations, XXXX XXXX had my card on file, in XXXX their was a bill for XXXX charging me for a stay that I did not do at a campground, I contacted my credit card company and told them this was a mistake, they investigated and gave me a refund credit of XXXX, I then in XXXX closed out said account because I felt now that my card was hacked by this company, received XXXX bill with a closed account and everything XXXX out, and they even sent me a check refund for overpayment, thought this was over, now I have recived a bill from US bank stating I owe them XXXX, contacted them and they said I had to pay it, I donot owe them XXXX when I had a zero balance and closed account, please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
6-8 months ago, my mortgage company, US Home Bank Mortgage, marked my house vacant for an unknown reason. Even their own associates could not understand why it was marked vacant or how it was marked vacant. Since then I have been unable to get them to remove it. They even sent a company to change the locks on my house!!!!!! I was in bed at XXXX when I heard a knock on my door from a man who had gone into my backyard already and seen that there were still items there. This is causing so much more trouble because if I try to make a partial payment on my mortgage they will not accept it. An example of why I would make a partial payment is as follows : I am currently going to school full time and my XXXX is helping me financially while I attend school. A part of that financial help is that XXXX a semester they send me a housing check to help me pay for my current housing. The check is made out to myself and the mortgage company. I am supposed to sign the check and then send it to them. Because my house has been marked vacant, they are telling me that they will most likely reject the payment. And I can not make a partial payment for the extra amount owed after the check is processed. I either have to pay all or nothing. This is how it is constantly. I once fell behind on my mortgage and was trying to get caught up as I could. I would try to pay a few extra XXXX here and there as I could but they refused to take my payment, stating again that it had to be all or nothing. Also I was n't allowed to make payments online it had to be over the phone, even after I was caught up, and then they would charge XXXX dollars every time to process my payment. This is completely absurd and made it almost impossible for me to get caught up. I 'm still trying to get caught up on all the late payments they have charged me. Also because they marked my house vacant my insurance company has tried to drop there coverage numerous times. These people are vultures and their customer service are completely incapable of helping.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Charges from gas stations were are on my card that were done by stealing my info and fraud I did n't do. Other charges that suppose to be refunded but as of today I do n't see the refund and charges yet. Charges XXXX that were disputed and nothing was done about them I need to make sure all monies were refunded from both Checking & Savings Acct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank has an online app through the iPhone that allows consumers to make payments on credit cards via their checking account ( both the checking account and credit card are US Bank affiliated ). The application gave no visual feedback confirming a payment in the amount of {$1500.00} was made after two attempts. This seems to be a software bug ( usually I get a confirmation of payment ). So I used the desktop browser online banking to make my payment of {$1500.00}. Everything seemed fine until the night of Friday XX/XX/XXXX into Saturday XX/XX/XXXX when {$3000.00} additional were withdrawn from my checking account and placed on the card. Ironically the one time {$1500.00} payment paid off the card in full. So what is now reflecting in my bank account is an overdrafted checking account of about - {$2200.00} and a negative credit card balance of {$3000.00} ( in other words, they owe me {$3000.00} ). 
I asked them to fix this immediately and was told that it may take up to 45 days to be resolved. Initially the credit card portion of US Bank customer service implied it was my fault and that I probably paid ahead in anticipation of a large purchase with my credit card ( not true ). When I finally spoke with a professional banker, the service was better but I was told that I am out of luck. As it is XX/XX/XXXX all of my future obligations to pay bills, student loans, and rent, may not go through my checking account, and I am responsible for all late fees incurred outside of the checking account. I was told that " eventually '' they will reverse the {$3000.00} overpayment and will not penalize me with overdraft fees. Is it really fair to me as a working class consumer with student loans that I must now face eviction and delinquencies on student loans all over a buggy iPhone app?

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 2016-04-02
Company: U.S. BANCORP
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
XXXX US Bank {$200.00} gift card bought XXXX/XXXX/16 and opened to use on XXXX/XXXX/16 but both cards had been fraudulently used prior on same day, XXXX/XXXX/16 at XXXX 's in store and Pajama-gram. Card numbers stolen and applied to new fraudulent cards and total amt drained off cards. I am now out {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started a short sale process XX/XX/XXXX and had multiple offers on my home at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The bank responded to the first offer presented to them as being too low to meet the requirement. They sent me an appraisal with the minimum net offer amount. My realtor then presented them with a 2nd offer on XX/XX/XXXX after several attempts to get them to clarify the net amount. The net amount for the offer was {$120000.00} to begin the negotiation process. The offer was to expire on XX/XX/XXXX. We did not hear anything from the US Bank negotiator until XX/XX/XXXX with a request for bank statements from XXXX XXXX, a Default Resolution XXXX with US Bank. His request for my bank statements went thru my realtor, which I thought was strange. A realtor usually does not collect financial data on its clients. My realtor forwarded the request to me and I sent both XXXX XXXX and XXXX XXXX, who was then my relationship manager at US Bank my bank statements. XXXX sent a confirmation of receipt of my bank statements. However, I never heard back from XXXX XXXX about the offer presented to the bank on XX/XX/XXXX. As the offer expiration approached, my realtor XXXX XXXX and I made several attempts to get some sort of response from the bank. The very motivated buyer extended the offer to XX/XX/XXXX in hopes of getting a response from the bank due to an email received from XXXX XXXX on XXXX stating that the loan review was escalated to senior management and allow 2 weeks for XXXX to be contacted by the negotiator or another XXXX. We never got a response about the offer. The buyer and my realtor then walked away. I sent in a request for a deed-in-lieu of foreclosure on XXXX/XXXX/15 due to the banks failure to respond to offers. I also filed a complaint with their Default Complaints Escalation Center of US Bank Home Mortgage about the offer and the failure to respond to the offer in a timely manner XX/XX/XXXX. I did receive a response from the Default Complaints Escalation Center on XX/XX/XXXX, I received a letter referenced Loss Mitigation Summary Information that stated that my Short Sale was not approved because " We have yet to receive a sufficient short sale offer that meets program requirements. '' and DIL was " '' The application did not indicate interest in in pursuing a deed-in-lieu and therefore you were not reviewed '' and it did not mention that US Bank Home Mortgage failed to respond to my last purchase agreement which forced both the buyer and realtor to abandon the offer. 
I have since spoken with several staff at US Bank Home Mortgage who have acknowledged " dropping the ball ''. However, they have not repaired my credit, nor have they tried to do a " deed in lieu. '' The repeatly cover up their mistakes and deny any wrong doing on paper. I would like the bank to regulate short sales with big banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I bought a camara and fill out an application for a credit card, they say sent to my mailbox but I did not receive the credit card, some else it to buy several things

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 2020-12-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am working on my credit file, and was able to print out XXXX XXXX & XXXX  with NO problems However, Equifax, has blocked me from my free credit report many times, which prevents me from correcting errors on their report .I do NOT think this is by accident - they have ALWAYS been the worst agency of the 3 to correct errors, and do not want to correct anything! 

I want my free credit report - per law regards XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: U.S. BANCORP
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US bank Acct # XXXX XXXX XXXX TN XXXX PH # XXXX XXXX US Bank XXXX TN XXXX PH # XXXX Bank Manager XXXX XXXX First of all, I 'm on XXXX. My wife died some years ago.She handled all the finances. 
That 's why it took long for me to catch it. It was actually a bank teller who told me I was paying for something I did not need. I think she had a conscience. That 's how I caught it. 
A couple of years back, US bank called me and told me I was in overdraft and should come in right away. I did n't understand why, but I went anyway. I thought I would pay a fee and be done with it. The person at the bank insisted that I needed overdraft protection. I said I had plenty of money in my savings account, and that I would transfer money from there to checking. She kept insisting that I needed overdraft protection. 
Recently I discovered I was signed up without my permission. I specifically said I did not want this. I was signed up for 21 % or XXXX dollars a month for overdraft protection.This has bee going on for quite sometime now. I 'm an old man who needs this money for medication and, well every thing to live on. Like I said, my wife handled all the finances before she died. That 's why It was so easy for them to do this to me. Like I said, if the teller had n't caught it, they would still be stealing from me. I 'm just not good at catching this stuff. When I called the bank manager, to tell her about the money taken from me all this time, she said it was all my fault for not catching it sooner. That I should have caught the 21 % on the XXXX dollars that came from nowhere, or the XXXX dollars a month. She said it was my fault for not keeping up with account. when I asked to see documentation for when this occurred, she said she did n't need it. Really! I am debt free. I have never needed over draft protection. There are people, the sick and elderly me who are easy targets because they are most likely to overdraft. I hope you can help me, but I guessing by now the Banks have gotten good at this.I just found out there charging me XXXX $ for something. Please help. XXXX Tn XXXX ph # XXXX XXXX US bank XXXX Tn. Bank manager XXXX XXXX XXXX pk 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 2016-07-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have submitted a dispute via certified mail with Equifax in regards to the improper reporting of the payment history, as well as, account balance which is being reported by XXXX XXXX. The original dispute date was XXXX XXXX, 2016. Along with contacting Equifax I 've also contacted XXXX and Experian as well and have received the same reply that the Furnisher, XXXX XXXX, is verifying that the information is correct when in face my dispute stated that I was requesting verification because I have proof of payments that was not reported as well as deferred payments that was also not reported. I am very upset that these credit bureaus are not thoroughly investigating consumers accounts such as mine. According to the Fair Credit Reporting Act the Furnisher has 30-45 days to complete a thorough investigation resulting in correction or deletion of the account and or information in order to not violate the consumer and at this point after unsuccessful attempts I, the consumer, rights are definitely being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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 XXXX 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 response to consumer: Closed with explanation