BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-22
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Bank accounts  ( CD & Money Markets ) w as opened by single account owner with    XXXX   XXXX  .   XXXX   XXXX   closed. The bank accounts wound up with   XXXX   XXXX  , and now with U.S.  Bank. Somehow during this time, an additional name was added to account, without original owner knowing or authorizatio n. U.S. Bank r efuses to correct error and refuses to produce the SIGNATURE CARDS. We have been trying to get cooperation fr om U.S. Bank for over six ( 6 ) months. We have contacted their Executive Offices and spoken to several persons in Fraud Department and Senior Banker a  t (   XXXX   XXXX   XXXX . Finally,  one person to ld me to contact the  XXXX   XXXX  branc h manager named xxxx,  in  XXXX  and that is where the signature cards are located. ( I have never previously conducted any business in this branch. ) Several calls were made, messages left, and could not get a call back response. Finally spoke to  Assistant Branch Manager who told me to come into bank. She took my personal and all contact information  and promised to get back to me. She did not. Then she was getting information from  Corporate Office  and they would send letter directly. Allotted time passed without any response. She became increasingly more hostile with each additional phone call. She finally said they do not have to give any information or put anything in writing. Later, I went to another branch, a suburban branch. Spoke to the branch  manager, w ho listened, then said she would followup and get back in touch the next week. After not hearing back, I called, but was told she was busy. Left a message. After no call back and it was almost at the end of the business day, I contacted her. She said was waiting for information back from another source and In a very unfriendly voice stated she would contact me in  two ( 2 ) days. Time pas sed without contact. I called again, left message. Called again and she had someone tell me she no information for me.   With each contact person that I have spoken to over the las t six months, I told them there is a legal issue and the information is needed. Also, that I NEVER authorized anyone else to be on my accounts. They will not own up to AND refuses to correct the bank errors! However, they have given out incorrect information, which has caused a  XXXX  legal issue, currently in court.

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 2019-12-21
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, 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:
Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from XXXX. It indicated that a credit inquiry was made. ( XXXX XXXX XXXX  XXXX XXXX  VA XXXX ) However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Commonwealth Financial Systems, 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:
There is no company name provided, the address listed XXXX XXXX XXXX, XXXX, PA XXXX. They have been sending a collection notice in the amount of {$780.00}. The collection has been reported as pasted due balance. I do not know this company as there is no information provided. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I discovered unlawful unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require organizations to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these things or false information since my personal information was compromised by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and incorrectly, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain a counsel to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the company for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, according to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

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 2021-12-15
Company: Experian Information Solutions 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:
An account dispute letter was mailed to Experian via Certified mail on XX/XX/2021. In that letter, it was requested that Experian verify the account with a copy of the following items : 1. Original contract 2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance Experian decided the account was verified and did not send me proof of verification. Experian also has not responded to me via mail. I received my status via Experian App. It is approaching 30 days with no proper response or verification that the account belongs 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 2019-12-21
Company: DISCOVER BANK
State: OK
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:
3 months in a row, I mail payment 1st week of month, 3 day postal trip to XXXX XXXX payment center, them my payment just sits there for weeks before being applied to account.

Company consistently blames USPS for poor service. Co. says that they would NEVER delay payment just so that they can charge fees and deny credit availability at Christmas. But that is EXACTLY what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: DISCOVER BANK
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
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: Their investigation did not fix an error on your report

Complaint:
I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report.

15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution

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 2021-04-22
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
There were 5 transactions for XXXX dollars that were made from a XXXX  in XXXX New York XX/XX/XXXX between XXXX and XXXX that i did not authorize I contacted the company they were very rude and disrespectful hung up on me once and got rude with me several times about these charges that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: AMERIS BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never missed a payment with my mortgage or been late. I sold another property I owned and on XX/XX/XXXX sent them a letter asking to recast my mortgage ( I was giving them an additional {$90000.00} towards principle reduction and also eliminate the mortgage insurance on my house ) They mailed me a letter on XX/XX/XXXX that told me to wire them the $ 90k plus {$300.00} fee to recast my Ameris mortgage ( loan # XXXX ) before XX/XX/XXXX. I did as instructed and sent them {$90000.00} on XX/XX/XXXX, it cleared XX/XX/XXXX. 
I continued to make my normal monthly payments. 
Beginning in XX/XX/XXXX, I began receiving notices of missed payments and foreclosure warnings. When I called customer service, they said a mistake had been made that the {$300.00} recast fee had somehow triggered an incomplete payment and removed my XXXX payment. They didn't know how to fix it. I was told by multiple agents to call back in 2 weeks, and I did, every 2 weeks, speaking to someone else since they don't have extensions they say. I spoke to supervisors and everything, with no avail. I have even called my previous loan originator, who no longer works at ameris, to reach out to someone to help me, since he knows higher up people. No one has ever reached out. I still get transferred to the collections dept whenever I call the hotline. 
I am now XXXX XXXX XXXX, and have lost countless nights sleep over this, and had to go to the XXXX XXXX due to XXXX XXXX XXXX. 
My credit score is over XXXX, I've never missed a payment on anything, and this is more then I can handle. Please help me preserve my financial and emotional integrity in dealing with ameris, I just can't anymore. I have more documentation and have saved all the pink notices from them if you need. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: IL
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 items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my 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 non-monetary relief
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity-Theft and have filed reports of this in the past to Local, State and Federal Authorities, as well as, FTC and CFPB over the last few years. I now have a fraudulent account ( XXXX ) that was previously disputed and removed from my credit records months ago return as of today on my Experian credit file. Once again, I have never had such an account and it is an account due to fraudulent use of my personal information.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on XXXX and Experian it's showing XXXX. Also the date last active is different on all three.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ref XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account 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 an account without my written instructions.

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 2022-05-01
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They loaned me XXXX and started a savings you can unlock after you pay off the XXXX and XXXX in the savings I didnt realize they were charging me XXXX annul percentage interest on the full XXXX not just the XXXX they loaned when I asked them if they could just pay off the loan with the money I never received they refused their newest solution is I pay my next payment and let my account go 30 days past due and then they will close it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An account was opened in my name XXXX Identity theft ) ending in XXXX with PNC Bank on XX/XX/2021. I received notice of this from PNC bank on XX/XX/2021 and immediately notified them that this was fraudulent. I called them again on XX/XX/XXXX and XX/XX/XXXX because I have not received any follow up or confirmation that this account was closed or blocked. I have not received a case number from PNC. On XX/XX/2021 I received a notice of change of address so I believe that this account has not been closed or inactivated as bank representatives said it would be. 

The lack of follow up communication by PNC bank is unacceptable. 

Please investigate this and follow up with me that the account is locked/closed and that this case is being investigated by PNC Bank. 

Thank you, XXXX XXXX XXXX cell XXXX XXXX XXXX text ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity-Theft and have filed reports of this in the past to Local, State and Federal Authorities, as well as, FTC and CFPB over the last few years. I now have a fraudulent account ( USAA ) that was previously disputed and removed from my credit records months ago return as of today on my XXXX  credit file. Once again, I have never had such an account and it is an account due to fraudulent use of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Dear Experian,  Enclosed are report Number  of some  XXXX  reports. Each report has come to me with different information on them, not much being the same. I need for you to send me  XXXX  report with all the information it.   These reports have to be made whole concerning the information it contain. Each person in the  XXXX  should only have  XXXX   XXXX   XXXX . And it should detail the same information do n't who request a copy.   Report Numbers :  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX  I have been at this for the pass  XXXX  (  XXXX   )  months requesting Experian to correct the problem. Nothing has been done to correct it.   I have sent in copies of my ID 's, utilities bills, still you continue to disseminate to those requesting credit reports, incorrect information.   Enclosed are original   Reports, highlighted to show sensitive areas.
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 2019-12-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report.

15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a camera bundle from XXXX XXXX and decided to return the bundle because it was defective. As a result, I purchased the item elsewhere. I sent the bundle back to XXXX XXXX based on the prepaid return label that was provided to me by their customer service. The day the bundle was registered as delivered to their return facility, I received a call claiming that the camera was not inside when the other products were despite sending back the entire bundle, camera included for a full refund. The representative on the phone asked me what happened and seemed intent on the get-go on accusing me of fraud and the like. XXXX XXXX refused to ever update me on the case as they were claiming that a XXXX   investigation was opened and closed concluding the weight of the package did not change. Yet at the same time, I still do not have my money back with XXXX XXXX repeatedly attempting to pin the blame on me despite sending back what I received from them originally and fulfilling my obligation as a customer to obtain a full refund. I escalated the case with Discover and despite sending back the item with XXXX XXXX 's prepaid return label with full confirmation, they refused to side with me on the dispute. There was further documentation provided by XXXX XXXX where they claimed the " fragility '' of my tone of voice as notation aimed to firmly place the blame on my myself. I can not handle that I deal with XXXX  from XXXX due to being robbed on the phone once before.

Company response to consumer: Closed with monetary relief