BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had deposited  XXXX  checks into my us bank account on  XX/XX/XXXX   XXXX  for  XXXX  and  XXXX  for  XXXX . The funds cleared and showed available on  XX/XX/XXXX . I tried to use my debit card and it did not work even though there was over  XXXX  in my accounts. My employees were also turned away and not allowed to cash their paychecks again the accounts showed over  XXXX  available but the bank refused to allow me access to it. On  XX/XX/XXXX  they requested a copy of the customers bank account where the checks were from. I got my customers bank statement showing the  XXXX  was out of his account. Then on  XX/XX/XXXX   XXXX  at  XXXX  us bank location manager said they are closing my accounts and she is sending it to their fraud department. Then after several calls back and forth from fraud to the branch, I have been given so many different stories about when they will give me my money. They wrote me a letter on  XX/XX/XXXX  stating the account closure and my funds would be mailed in 15 days. That would have made the date around the  XX/XX/XXXX . When I called again after not receiving my money they said they are still reviewing my accounts and waiting to verify checks that had already been verified. Another story, then I called at the  XX/XX/XXXX  be still being reviewed by fraud, my branch manager said I should n't call them any more I should call fraud, when I called fraud they said the funds are with my branch manager.  XX/XX/XXXX  the fraud department said they released the funds to my branch. My branch said it hey do n't have them yet. I have lost my employees, I have lost my customer, I could n't pay my bills or my daughters   XXXX  school while us bank is playing games with my money I worked for over a month ago. How can I stay in business. This has been so   XXXX   and I have even had to seek medical treatment  for all of he overwhelming amount of pain this has caused me and my family. Please help me get my money from this dishonest bank.

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 2017-06-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  XXXX   XXXX ,  2017 ( or about ),  I was told that my loan request was sent to  Navy Federal Loan Committee with a request t o waive  XXXX  exceptions. I was told the request was denied.  <P/> However,  Navy Federal br oadcasts in its advertising that it works with its members to find solutions.  <P/> In this case I am suspect that the request was ever made by underwriting.  <P/> In fact - the misrepresented to me and the public how they work for their members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2021-11-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account showing up on my credit which isn't mine nor was I ever aware of this. Please help assist I have disputed with nothing returned.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-14
Company: NAVY FEDERAL CREDIT UNION
State: KS
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:
My credit reports shows that I applied for a credit card with navy federal which I never have. And my employment says I was in the XXXX which I never was. Some of the inquiries on my credit report I have no idea where they came from. I just noticed this information on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
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: Didn't receive advertised or promotional terms

Complaint:
My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX XXXX XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} each. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. 

On XX/XX/XXXX I logged into chase.com to pay my credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. I then called chase at ( XXXX ) XXXX and opened a case for my self and my wife. I was told to call back to get the status after a few days. On XX/XX/XXXX I called to get the status and was told it was in my favor and i should get the credit in a few statements. 

On XX/XX/XXXX, I received a letter stating that my request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. 

Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company stated in response to my dispute on  XXXX  -2017 that t hey do n't have information for me in their system. I provided everything shown on my report as far as account number as again this company has not sent anything in the mail regarding this so called debt. I will not provide my social as using the partial account number and name should bring up something. Since they admitted they ca n't find me they need to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had my loans sold and moved on multiple occasions. I have never missed a payment. I have been out of school for 8 years and have hardly made a dent into my student loans. I have paid thousands and thousands of dollars and have called many times trying to get into a plan that will actually reduce the overall loan. I have been told I am in forgiveness plans and moved from program to program. I have been falsely led. As a result, despite paying anywhere from $ XXXX {$350.00} a month for 8 years, I have only put about a {$2000.00} dent into the loan. This does n't make any sense and I have had NO help in getting out of it. I have tried to do it the right way. I ca n't get straight answers from anyone about my plan and am routinely talking to people that hardly speak English. I define the entire experience as fraudulent and misleading. There is no reason that I have not had any of this forgiven or made a much larger dent into my student loans. At this pace, I will pay off my house, a much larger loan, in a faster amount of time than my student loan. I have been dumping money into a bucket with no end in sight. I believe I am entitled to a reduction in my student loan number. Not because I do n't want to pay it back and do the right thing. I took the loan, I owe the money. I believe I am entitled to a reduction because I have been taken for a ride for the last eight years and my student loan has not been reduced. I have been mislead and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am languished by a horrible process. I suspect program and/or transaction error. It is very difficult for me to tell if it is whether excessively unfair government and/or lenders or creditors or a specific government agency which always declined my personal loan or credit applications  XXXX  for years to come. What really is the deal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately.

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 2017-06-10
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was  XXXX   in  XX/XX/XXXX  and  XX/XX/XXXX . The b ill that was not paid is from  XXXX   XXXX   XXXX . I have called them and told them the bill needed to be sent directly to my insurance company,  XXXX . I gave them the insurance address and phone number to claims. My insurance paid all other bills. Instead of  XXXX  sending the bill to my insurance, they chose to refer to a collection company.  Stanislaus Credit  control service I have sent certified mail to all involved. My latest contact with my insurance company said they will pay the entire bill.   In the mean time the collection agency has destroyed my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10
Company: Experian Information Solutions 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:
I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Credit bureau reporting inaccurate and unauthorized accounts and inquiries on my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Received Phishing Text message from XXXX saying my BofA XXXX card had been closed and was under review due to suspicious activity and to click on the link to XXXX XXXX XXXX Instead of clicking on the link, I went online and checked the account, which has not been used since XXXX. 

I have reset my password. No funds were taken, and the matter is secure on my end, but I wanted to report this info and Phishing

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 2022-09-14
Company: Atlanticus Services Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
the past feww months when making a payment on my aspire credit card, i go to make my payment because i closed the account i had to make payments from, i use my checking account to make the minimum payment, i hit the make minimum payment amount, and it submits successful, then i checked and it says a few days later that i was assessed a XXXX dollar fee for returned payment for like XXXX centsfrom old closed checking account, so in short i hit the make minimum payment and pay from my checking account they have on file, it makes a payment ( it's supposed to be the minumim amount ) it goes through then on the daate the actual payment is due they try to charge me like XXXX cents for an autopay and i have already made minimum payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$0.00} / XXXX/XXXX/2016

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 2022-04-04
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 have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and Experian XXXX and XXXX keep showing this information against my person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: IL
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:
Per the FCRA, credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. 
There is a date of last payment reported, but no last payment amount reported. If there was a last payment made, what is that amount. Why is it not being reported? 
Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire month of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. 
There is no account number for this alleged account? What is this information? 
Date of last payment on this alleged account is stating XX/XX/XXXX, this also does not correspond with the payment history chart. If this was the correct last payment then there shouldn't be 120 days past due for the months of XXXX, XXXX and XXXX of XXXX. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2022-09-14
Company: Experian Information Solutions 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:
My name is XXXX 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 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 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XX/XX/2021

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