BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2015-09-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by Conserve Inc. on and off by either phone or mail since XXXX of 2015, about a debt that my ex-husband assumed in our divorce. 

On XXXX/XXXX/2015 at XXXX I was contacted by phone by a woman named XXXX XXXX representing Conserve INC. After explaining my predicament, to yet another agent assigned to this debt, she advised me to write down the case # of the Conserve account and to write my full name, social security number, and include that I am not responsible for the debt, while she was telling me this, she put me on hold, came back on the line and told me she had given me false/wrong information and that I was being transferred to a XXXX XXXX XXXX . 

XXXX XXXX told me that the account has been opened for 6 months and that it needed to be settled and asked what I was going to do to settle it. I again told him that I was not responsible for the debt and asked them to either contact my ex-husband or send me original documentation. I was told in response to the documentation request that it was sent to another unknown collection agency and that to get me copies of the documentation would take too long to arrive and that I needed to settle the debt. I again informed XXXX XXXX that my name was n't associated with the loan and asked them to contact my ex-husband. XXXX XXXX then stated that when attempts were made to reach my ex-husband that he would either not answer or connect the line and not speak. XXXX XXXX insisted that I " should n't hold my breath '' waiting for my ex-husband to take care of the debt and that I should set up payments. I felt that XXXX XXXX statements were a threat directly to me, implying that I would immediately need to take care of the debt. 

I also understand that they are not allowed to discuss communications that they have with my ex-husband. Upon hearing that information from XXXX XXXX it caused me great alarm and stress. This loan is for over {$86000.00} and I feel I have worked with them and all I keep getting is threats to make them an offer. 

I have sent them a copy of all my financials and my divorce decree proving that they need to contact my ex-husband. I feel that their statements indicate that they are no longer attempting to contact my ex-husband and are only coming after me for this debt. I believe that XXXX XXXX is using scare tactics and bullying in an attempt to push me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX, XX/XX/2015, I was billed my annual membership fee of {$75.00} for my XXXX XXXX Visa Signature credit card issued by US Bank. I paid the fee due to the card 's offered benefits, including the Bonus Award night on award night redemptions of XXXX nights or more in the XXXX XXXX Rewards program. On XXXX XXXX, XX/XX/2015 the statement contained language indicating that this Bonus Award Night benefit would end on XXXX XXXXXX/XX/2015. Since I already paid the membership fee, I should be given this benefit until the end of the card membership year. US Bank has refused to refund the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A ) I Have been working with Wells Fargo with a Loan Modification since XX/XX/XXXX. I have request a XXXX Speaker to help me in the process but Wells Fargo have not provide any one to help me in my Native language. 
A ) I have transfer for one to another different agent ( 8 in Total ) in this process. 
I have to explain and start all over again. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 

B ) The last documentation I have from Wells Fargo it was printing on XX/XX/XXXX at Wells fargo Facility. I did received on XX/XX/XXXX. 
Wells Fargo send me a letter printing on XX/XX/XXXX that according California Civil Code & 2923.55 ( f ) Thirty ( 30 ) Days, or more, have passed. 
This is statement is False. Even today have not pass ( Day of complain ) Thirty ( 30 ) days at all. 
C ) Right now I am in a Loan Modification with Wells Fargo because my financial situation have been change for good since XX/XX/XXXX. 
Wells fargo is violate the California Homeowners Bill of Right : " Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed ''. 
On XX/XX/XXXX I start the training for my new job. 
I did call Wells Fargo to tell that I have a new job ( Full-Time ) starring on XX/XX/XXXX and that I have rent one of the rooms in my house. 
On XX/XX/XXXX I call Wells Fargo to update my situation ( Financial ) and I request a Loan Modification. 
XX/XX/XXXX I call and request a Loan Modification again. 
XX/XX/XXXX I Call and request a Loan Modification again. 
On XX/XX/XXXX I call and request a Loan Modification again, this time they allow me to start the process. 
Right now I am in a Loan Modification with Wells Fargo but at the same time I am in Foreclosure active status that is illegal in California.

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 2017-05-22
Company: North Shore Agency, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned the bill to the sender with a note indicating that I never requested the publication and I do n't want any publication.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: OH
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 this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2022-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX : {$57000.00}.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have received a response from XXXX reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against XXXX for reporting illegal information on my report under federal law. This demand also goes for TRANSUNION and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
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

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 2017-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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:
I have called several times to request a more compatible interest rate on my credit card. Their APR decision was based on information over 5 years ago. My credit scores and credit behavior has improved immensely since the account opening and it should be reviewed accordingly. Its unfair to the consumer that they continue to be penalized year after year with unrealistic and incompatible rates. I have escalated this to the office of the president and yet no one seems to care. My next step is to contact the media in regards to unfair practice by USAA as they are taking advantage of us veterans who put our lives in peril for our country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: OH
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 this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2016-11-23
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
My lease matures on XXXX XXXX and the car is due back within 10 day so maturity. In the beginning of XXXX, I called the US BANK to confirm that my final payment submitted cleared my financial obligation excluding charges for excess mileage, wear and tear etc ... They confirmed that I had satisfied my lease and in fact had a {$29.00} overpayment credit. No funds were due to US Bank. Today, XXXX I received an invoice from US BANK for {$430.00} due for XXXX. Confused I called the bank. After significant hold time, the first agent confirmed I owed nothing and had a credit. But, she could not explain the bill. After a transfer and hold time, second agent explained that a " computer sends the bills. '' I explained that this must be illegal, as I do not owe them anything and had I not called, I might have sent them the {$430.00}. She said that it was just an error and I could ignore it. Not satisfied, I requested that I log a complaint. She transferred me to billing. After 20 minutes holding, a clerk got on the phone and told me that the bill was " just in case '' we wanted to lease month to month. I explained, that it says nothing about that on the invoice ... it just says Payment due for XXXX. I received no letter or mail indicating that the car was available for month to month leasing after the terms are satisfied. And, on my XXXX calls to customer service in the past in preparation for the car inspection and return, no one had ever mentioned anything about keeping the car month to month and paying a fee that is less than my original lease. She was insistent that this was common practice and US Banks only intent. This is clearly US Banks attempt to fool customers into over paying against a balance that does not exist. In any other business this would be considered stealing under no uncertain terms. It is clear fraud to present an invoice for an amount you do not owe. The US BANK should not be permitted to continue practices like this.

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 2022-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: LEXISNEXIS
State: AL
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 a public record item that is on my credit report with XXXX, LexisNexis, and XXXX. XXXX has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
State: NC
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: Didn't receive services that were advertised

Complaint:
On my credit Karma account the advertisement said my odd to be approved for credit card where good. I completed the application and was denied for several credit cards. This has had an impact on my credit scores and it is also false advertisement. I feel like I was mislead. The company is Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: TX
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 have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On Mon, XX/XX/2020 at XXXX PM, XXXX XXXX XXXX XXXX wrote XXXX Name : XXXX XXXX user Id @ XXXX Hi its been weeks i submitted my DL for verification, i tried calling but my registration is not getting verified its stuck and still says its under review can you please verify ASAP its been 3 weeks ITS BEEN A MONTH I HAVE SUBMITTED A GOOD COPY OF MY DL AND YOU ARE STILL DELAYING IT, I HAVE REPORTED YOUR DELAYING TACTICS TO XXXX AS YOU ARE DELIBERATELY DELAYING REGISTRATIONS DUE TO STOCK MARKET IS DOWN RE : Registration From : XXXX XXXX XXXX ( XXXX ) To : XXXX Date : Monday, XX/XX/2020, XXXX AM CDT Hi the ID was uploaded kindly confirm registration Sent from XXXX XXXX on XXXX On Thu, XX/XX/2020 at XXXX PM, XXXX  Support XXXX wrote : Good afternoon XXXX, It looks like our system didnt accept the ID photos you uploaded because they included an unreadable photo ( too much glare, too blurry, etc. ). 
Im sorry for any delay this is causing! 
Please submit a clear photo of your valid ID through our secure file submission portal here. Once you've successfully uploaded it, go ahead and respond to this email to confirm. 
Heads up : If youre providing a drivers license or state ID card, well need separate photos of both the front and back, ensuring all four corners are showing. If youre providing a passport

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. XXXX XXXX XXXX XXXX of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

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