BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Monday morning XX/XX/XXXX, I changed my password to access my accounts online. There was a fraud alert placed on my account and they locked me out of it. I was told that it would take 24 hours to determine if there was fraud or not. I asked to speak to a supervisor as I'm running a business and need to access my accounts. A supervisor hung up on me after being extremely pissy. Called back and asked how they were going to determine if it was fraud or not if they didn't call me, text me or email me. They said they didn't know and had no way of getting in touch with the fraud department except by email. I was promised that a supervisor would work on it and that someone would call me. Tuesday morning, XX/XX/XXXX, I called again, no notes were on my account, the account was still locked and no one still knows what's going on.

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 2017-08-17
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a collections account on my XXXX report from Diversified Consultants on a debt that is n't mine and I do not owe. XXXX XXXX  removed the collections account using the dispute process outlined by the FCRA. The account no longer appears on my credit report with XXXX. However up to this point it never appeared on my XXXX  report - today I noticed that it was added.
They were not able to produce the proof that this was a valid debt to XXXX and were forced to remove this record from that account and now instead of just leaving me alone they added this false debt to another bureau 's report. I do not think this is fair, and I question if it is legal. I wish to have this erroneous record removed and to ensure that it never appears on any of my credit reports again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX 2-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 a fraudulent inquiry was made to my Transunion report by XXXX XXXX XXXX. I have attempted to reach this company by phone and not been successful. I have been the victim of identity theft and Transunion has instructed me to reach out to each company, on my own to resolve this myself. I'm attaching my related police report I have made for identity theft.

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 2018-10-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2017 someone cashed a fraudulent check from my account for {$5500.00}. On XX/XX/2017 I saw the transaction on my account and immediately contacted my bank and filed a fraudulent charge claim. In the last year I have filed two police reports and made multiple attempts to get my money bank but U.S. Bank has refused to return my money. They told me that it's my fault the check got stolen, and that I shouldn't carry checks on me or keep checks stored in my home. Then they told me the only way they'd return the money is if I pressed charges against the person who cashed the check, even though I have no idea who cashed the check. U.S. Bank also refuses to give me details about where the check was cashed.

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 2021-12-28
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I were living in XXXXXXXX XXXX and banking with a local credit union. We started building a home in the XXXXXXXX XXXX area earlier this year. We decided to sell our home and make the transition to XXXX which would include the decision to change our local bank. 

Upon evaluating our options, and seeing the offers that existed, we contacted a major bank CITIBANK and opened an account via phone call. This process was a disaster! It took several days to get this completed, they did a wire request in the amount of {$600000.00} instead of the {$60000.00}. It took several days to remedy this error even after requesting the recorded authorization and verifying that their agent " fat-fingered '' the amount requested. 

Upon selling our home, making the initial transfers, and then moving all of our banking to CITIBANK, this morning they closed our accounts. They refuse to talk to us. They have kept our money and verbally promised to return it to us. They have stated we have a notification mailed to us. ( and yet we have all our mail digitally presented by the USPS and there are no letters from Citibank ). The fraud dept. there has hung up on me twice. I can not get any help in resolving this matter or getting my money back from Citibank.

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 2022-07-08
Company: Upgrade, 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 am a victim of identity theft. I have contacted Upgrade since last year and they refuse to resolve anything. They can not provide validation of the debt and continue reporting a negative tradelineon my credit report. If they can not provide the following information, I want the negative tradeline to be removed from my credit report. 
Upgrade, I demand the following : It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

1. That Upgrade Inc is complying with all applicable Federal Reserve Policies and Procedures, Federal laws, and State laws requiring the use of Generally Accepted Accounting Principles and Generally Accepted Auditing Standards for all bookkeeping entries associated with performing the Agreement. 

2. Audited bookkeeping entries showing assets/liabilities for the account in question. 

3. Copy of form 1099 filed by Upgrade Inc regarding the account in question. 

4. Copy of insurance policies associated with this account. 

Please do not confuse this request with a request for copies of any billing statements or a request for copies of any standard cardholder agreements. This is not such a request. Providing those items will verify nothing without the other requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Texas Guaranteed
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:
TRELLIS COMPANY has been previously notified to verify my account to be accurate and complete. I have noticed that TRELLIS COMPANY has been violating my rights by reporting inaccurate and incomplete information on my credit report. TRELLIS COMPANY is reporting different information to two different credit agencies for the same account. TRELLIS COMPANY has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that TRELLIS COMPANY has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Once the account is a day late ( which is not every month ), I will start to get phone calls from Bridgecrest each day until the payment has been made. I don't pay the car note, but I do know it is never 30 days late. I have asked them not to call me and to call the other person that is on the account that is making the payments, but they continue to call. I have asked them numerous times to not call me and to only contact me by email, but they still call. I will receive three calls and voice-mail a day until I answer the phone. They will continously call me until they receive payment or a postdated check. The last call, the representative tried to use deceptive practices by telling me each time we are late there is a {$9.00} charge after the due date. That is a lie, as we have never been charged a {$9.00} late fee.

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 2021-08-24
Company: NAVY FEDERAL CREDIT UNION
State: MA
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 treadmill from XXXX XXXX XXXX on XX/XX/2020. The cost of the item was XXXX. When I received the treadmill it was damaged. I tried to return it and reported the issue the first day it arrived. On the website the company lists that there is a 30 day guarantee return policy. I attempted to return the product for an entire year and for some reason my return was never accepted and even when I disputed the transaction I lost the dispute. When I asked why, I was told by my bank that the information about the 30 day return policy was a new discovery but it was too late to dispute the purchase by the time it was discovered. Due to False Advertising and Poor Clerical Work I was robbed out of my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Midwest Recovery Systems
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems of XXXX, Missouri has reported a medical debt owed of {$940.00} to credit bureaus. They claim that the debt originated from an emergency room visit at XXXX Hospital, XXXX, Arkansas, in XX/XX/XXXX. The collections account hit my credit report in XX/XX/XXXX. They gave the name of the doctor, XXXX XXXX XXXX, employed by XXXX XXXX XXXX XXXX XXXX, XXXX. I have contacted both XXXX Hospital and XXXX XXXX XXXX directly. Neither entity has any record of me visiting the emergency room in XX/XX/XXXX or of ever seeing that particular doctor. Both confirmed that I have XXXX outstanding balance. XXXX Hospital provided me with a signed statement on hospital letterhead confirming that the last time I was seen by the hospital was XX/XX/XXXX, and that I had no balance owed. Midwest Recovery Systems continues to claim that the burden of proof is on me to prove to them that I do n't owe this debt. I have requested written validation of the debt which they claim to have but have not provided yet. This negative hit to my credit report has caused me to lose eligibility for a student loan refinancing promotion that would have saved me {$7600.00} over seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Innovis
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX has my addresses correct and most of my older accounts, but XXXX and XXXX and Innovis do not. If XXXX could share these records with the other bureaus my information would be more correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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:
I am among those that had their identity stolen due to equifax 's lax cyber security. I checked on the website they provided for this incident and I was listed among the potential victims. 
Even the website they provided for checking to see if my data had been compromised showed several signs of ignoring standard web security protocols. 
I fee that equifax is liable for this data breach because they did not even follow what would be considered standard security procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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:
My name is XXXX XXXX I have starting back in XXXX send multiple documents to trans union about a bankruptcy case XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX Transunion states that they get there information from XXXX I then contacted XXXX XX/XX/XXXX who did an investigation and found the information to be in error, I have tried with XXXX and credit pros to assist in getting the erroneous information removed and as of the documents sent to Transunion and received by them on XX/XX/XXXX still refusing to remove information even though the date of birth and year of birth doesnt match mine. I contacted a supervisor with Transunion who once again said it was a third party, when pressed on the issues as who I was once again told XXXX. I then on XX/XX/XXXX contacted XXXX who stated they are not providing this information and my records with them are clear. My understanding that if ANY of the information being given is erroneous it MUST be removed. Transunion seems to think this does not pertain to them or how they obtain there finding. Also when asked how this information is being given to them they only say a third party and have not disclosed it in writing which still violates my rights as a consumer. I am asking that Transunion be held accountable for the violation of my consumer rights and not conforming to the fare credit act and remove and update my information 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 2022-02-07
Company: PLANET HOME LENDING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WI XXXX. My email is XXXX, XXXX. My Mortgage Co. Name : Planet Home Lending. 
I filed a complaint with you few months ago. 
Planet Home Lending said because my Ex-sponse XXXX XXXX Name is on the Mortgage first, My name is on Second, I don't have any Authority to sell or Refinance or ask for a Forbearance. I filed for divorce in XX/XX/2020, Our Court date was XX/XX/2020, He Moved out by XX/XX/2020. My Alimony is about $ XXXX. I am Unemployed no benefits since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2017-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to Experian, XXXX and XXXX because of my vehicle loan issues and disputes. Also accommondate me on my XXXX XXXX  under my XXXX XXXX Act Civil Rights.under the Department of Justice. Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %. The full payment was debited from my XXXX XXXX XXXX Checking account. I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX {$440.00} and high interest rate of 17 % with XXXX. Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender? I am XXXX XXXX and Retired. Notice : My XXXX Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings. On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan. I am a Military Veteran, 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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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