BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX US BANK placed a hold on my account due to a bad check that was deposit, they scheduled my account to be closed and advised me that my payroll direct deposit would be rejected. The direct deposit posted on XX/XX/XXXX which brought my account in the positives. I was told after several phone calls to visit my local branch to expedite and close out the account so they can issue out the remaining balance of {$360.00}. I went to a US Bank branch in XXXX XXXX, CA and no assistance was provided to me by the manageXXXX instead he offered his opinions which was not needed. I then placed numerous calls to their customer service number and again was offered no help. They confirmed that my account is to be closed but it could take 1 week to 1 month to process which I find to be ridiculous and illegal. If a company of that capacity has closed out my account, they should have the capacity of issuing out the small amount owed to me so that my account is no longer in limbo. This bank has gauged me overdrafts and fee which turned in thousands of dollars that I paid to them as a consumer, but they have an issue with processing the closing of my account and properly issue out funds legally owed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, On XX/XX/XXXX I opened a checking account with US Bank after seeing on their website advertisement that if I set up a direct deposit and paperless statements, and the direct deposit within 60 days is over {$5000.00}, I will receive {$400.00} bonus within 60 days. I met the {$5000.00} direct deposits threshold on XX/XX/XXXX, which is day XXXX after opening the account. Still counting 60 days after opening the account and another 60 days in which the bonus should be received, the due date was XX/XX/XXXX. 
I called US Bank on XX/XX/XXXX twice and spoke with two representatives providing all that info. I was told that they are forwarding my request to a specific department and I should be contacted by XX/XX/XXXX. I was not. 
I called again US Bank on XX/XX/XXXX and explained all of the above. I was told by the representative that there are no notes on my account. So neither of the two representatives from XX/XX/XXXX put note or escalated the issue to the appropriate department as I was told. That third representative assured me that he will forward my issue to the appropriate department and he will CC his supervisor to see why nothing was noted/done by the first two representatives, and that I will be contacted within 48 hours. 
I called again US Bank on XX/XX/XXXX and explained again all of the above and asked about the status because I was again not contacted as promised. The representative put me on hold and after a while i was told that they are still researching it. But when I asked for confirmation that there are notes on my account and what is the due date until I should wait, the representative asked me to provide information about the issue without confirming that there are notes on my account put at least after my third call on XX/XX/XXXX. 
In essence, each time ( four times now ) I called, the representative would tell me that they need to forward my issue to a specific department, but they would not do so. Neither would they put any notes about my inquiry and the issue on my account. 

Please help. The bonus offer is again on their website with the same terms as it was in XX/XX/XXXX when I opened the account. ( see : https : //www.usbank.comXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I can provide account information and call logs upon request. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: IN
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my son XXXX check in my account chase froze my account said I have to prove thats my child and why I got the funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Contact callers ( XXXX XXXX ) : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed addresses that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CCS Financial Services, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a statement in the mail from this " Credit Collection Services '' several months back so on the very first letter I immediately took action & called them I told them I did not recognize this account & it was not mine & they needed to stop harassing me & to cease & desist and whoever I spoke to on the phone apologized for their mistake & said they would remove this & not call me or mail me stuff anymore. I wish I would've gotten their name cuz I THOUGHT that was the end of it. A few months later I got something in the mail AGAIN, so I had to call a SECOND time & AGAIN whoever I spoke to on the phone said sorry for the inconvenience & that they would not be bothering me anymore. 
Now last night I get a notification from XXXX that I now have a collection on my credit report!!??? 
I DO NOT recognize " Credit Collection Services '' as an authorized creditor nor do I have any contract or agreement with them, unless they can produce an original instrument for what ever this so called debt they are trying to collect on from me in the amount of {$83.00} then this so called debt should be NULL & VOID. 
Produce an original instrument OR remove this harmful & false information from ALL credit reporting agencies which you have reported me to asap or I will be seeking any and all legal avenues & seeking compensation for financial damages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Creditrepair.com, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I hired credit repair.com in XXXX XXXX but I disputed items prior to hiring them and disputed the following item XXXX XXXX credit card, XXXX, and XXXX XXXX XXXX XXXX XXXX All the above sent me letters of confirmation that it will be removed. It was updated and removed also XXXX XXXX and XXXX XXXX XXXX but credit repair saying they did it and they lied to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: CORELOGIC INC
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 XX/XX/XXXX I contacted XXXX, XXXX XXXX TRANSUNION asking them what their procedure is for obtaining bankruptcy information on consumer reports. I let them know that I was not disputing the information, but I wanted to know the process. I also reach out to XXXX requesting the same. XXXX responded with a notice of deletion and attempted to contact all three reporting agencies. TRANSUNION replied to XXXX with a notice of deletion as well, however it has not been deleted of my TRANSUNION consumer report. XXXX XXXX XXXX have refused to respond to XXXX and have not deleted the bankruptcy off my consumer profile. I am aware that the reporting agencies have and are continuing to violate my privacy per " The Privacy Act of XXXX ''. I did not give any authorization to place my private information on my consumer profile. The court system and PACER do not supply reporting agencies with bankruptcy information as I have written confirmation from them stating this. XXXX is responsible for obtaining and distributing these types of records to XXXX, TRANSUNION XXXX XXXX. This is a complete violation of my consumer rights and I demand for this to be removed from my credit report as XXXX has deleted it from their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting 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 these creditors XXXX : XXXX XXXX XXXX : XXXX XXXX has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-30
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Freedom Mortgage Company
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX XXXX  I requested information of payments made and never received history of applied payments. I can not reach anyone over the phone that will send this information to me due to another CFPB complaint with them. I was told that my mortgage was paid in full by a representative and now I have a Writ of Execution for the prior title company demanding payment. I need this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: SC
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: OH
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 submitted a dispute for them to verify my information. They never verified my information. They said they verified but I was never notified or mailed any info on how it was verified. They had updated the account. I do not know what they updated. 
I demanded to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) They got a file of the account. There failure to positively verify that account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2022-06-07
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
Midland credit management is reporting this account with a {$920.00} balance and it has been paid.

Company response to consumer: Closed with explanation