BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, we moved out of an apartment complex ( XXXX XXXX Apts ) with all rent and fees up to date and in good standing. 

There was no contact from them about any outstanding debts or rent owed. On XX/XX/XXXX, I receive a letter from National Credit Systems , Inc . They claim I owe {$630.00}, the price of rent from the apartments with the apartments listed as the client. I send on a dispute letter asking for verification. 

They sent another letter on XX/XX/XXXX where they said they are aware I dispute the amount and did not find sufficient evidence to support my claims. With this, they included a document which " itemizes the charges assessed by the original creditor '' this breaks down that rent was XXXX nd utility charges were XXXX, which match the rates at the time of leasing from them, but nowhere on the charges does it state which month this is supposed to be due for. 

I sent them a reply which asked which month this was supposed to be for and that I do not want to pay for something that was already paid for. My roommate of the time has bank records of all our months of paid rent and we could provide evidence but they do not say what this is for so we have no way to provide the evidence. The only date on the verification was our move out date, and our bank records have that month as paid. 

Next I received a letter from XXXX XXXX ( lawyer ) on behalf of the collectors. He just repeated the same information and I once again asked for more specifics. his first letter was XX/XX/XXXX. 

On XX/XX/XXXX, after asking for the specifics of the debt to be able to counter their claims, I received another letter from XXXX XXXX notifying me that their client was willing to settle at substantial savings to me. I replied that I was willing to settle for {$0.00} and to have the matter taken off my credit report as I still believe this is not something I owe and proof of what month this is for was still not provided. They have not responded since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with US bank. I was charged a 36.00 overdraft fee, even the I did the opt-out debit card coverage, and one transaction was an error. This transaction is the 99.00 to XXXX on XX/XX/XXXX. When I went into bank account online, after getting a notification, it showed a negative cause by XXXX, and less than XXXX negative balance. I have already contacted XXXX, and they are refunding the 99.00. I had begun useing the Opt-out option more than a month before as suggested to avoid the overdraft fees. 
The banker denied my opt out would protect me from these charges as they were reoccurring. I then read him what I had read and agreed to when I changed the overdraft protection in my banking phone to the opt out. He let me know that the bank, at its discretion could decide to pay these transactions, and i would still be accountable for the new balance, and fees. This went against what I opted out of and read twice to the banker. So, I went on to read to him from the Regulation itself - 1005.17 Requirements for overdraft services-. Even though I read supporting information to my cause, he just set my account to not make any more payments to Atm/debit card purchases, and said he would not refund the overdraft fee, and again denied I had any recourse. 
Below, is how these were copied from my online account page. The banker told me it was the charge for XXXX, and subsequently the charge of XXXX to XXXX that caused the overdraft. 
All of the charges listed below were charged to my US Bank debit card, and the opt-out was chosen much earlier than this group of transactions. Pending is listed at top and completed is shown below that. 
I believe US Bank is abusing its overdraft, and using every loophole to still apply every overdraft, Opt-in, and Opt-out. 

PENDING : XX/XX/XXXX fee Overdraft Paid Fee {$36.00} XX/XX/XXXX ( auto renewal error, transaction N/A a XXXX*subscription XXXX XXXX {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$34.00} XXXX XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$10.00} {$47.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX Card XXXX {$7.00} {$58.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$850.00} {$65.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Usaa will not verify me for my account that I have been locked out of and now, after reading consumer report s and seeing this is a company scheme, I want the account closed. The company, usaa, refuses to respond to multiple telephonic and e- mail requests to do this when it was apparent that there never will be verification and my info is being, sold, used, and manipulated for financial gain. Shut it down!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint on XX/XX/2019 and they still did not answer my question as to how XXXX & XXXX are at or above 730 with the same data yet they are at XXXX. 
As you will see in the uploaded spreadsheet, the data is basically the same. Experian actually only has 4 Negative Items compared to XXXX having 5. I took the reports from both companies and compared the data. After doing this, I am convinced Experian is not reporting a fair score for me based on the data and also based on the fact that XXXX XXXX score pretty much mirrors XXXX XXXX. 2 Bureaus with similar scores should tell you that Experian is posting false 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 explanation
Consumer complaint received 2017-08-19
Company: EQUIFAX, INC.
State: DE
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:
XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MD
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 sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: DC
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:
I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX XXXX provide the documentation that verifies and matches the exact balance that is being reported. 

Acct. 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 2015-10-27
Company: CITIBANK, N.A.
State: WV
Product: Credit card
Issue: Billing disputes

Complaint:
I have had an account with Macy 's since XX/XX/XXXX. I retired XX/XX/XXXX at which time I contacted all of my creditors andexplained my due would have to change. I was told it wastaken care of. I have not used the card a lot, but what I haveUsed it, I have made monthly payments. I noticed last monthI could not access my account. Not thinking anything about itI made a payment, but when it happened again, I contacted Macy'slast night. I was transferred twice and was on hold for 30 minuteswith no answer. This morning I finally spoke with customer servicetwice and found out I had been charged numerous latecharges and interest. I was also told they had XXXX of my moneyin a credit account. 
My question is : why was my due date not changed? Why was I notcontacted by mail at the deliquincy of my account? I wastold I owed Macy 's {$290.00} and some odd cents. She put meOn hold and came back and told me they took the {$80.00} credit, applied it to my bill, took off XXXX late charge and XXXX interest charge! 
My balance was {$170.00}!! Who makes that decision on howmuch you are charged?? 
I think this is unfair and fraud due to the fact I wasNEVER contacted by Macy 's!!! But, she told me they wouldsend me my bill via US mail. 
I always pay my bills and have great credit. I DO NOT want thisto go against my credit report and I want the late charges and interestcharges refunded to me. I am still in awe of a company as large asMacy 's allowed to do this to their customers. My account is now closed. 
I would appreciate your prompt attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
In XXXX of this year I noticed an old Capital One account which did not apply for. I filed an Identity Theft Report and submitted the documentation to Capital One as well as the credit bureaus. Capital One continues to report the fraudulent account after receiving the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX 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 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 explanation
Consumer complaint received 2020-08-04
Company: Crescent City Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint against this company. In the last CFPB complaint they claimed they were going to delete - which they did not and also updated the account on my credit report as valid. I have retained an attorney to handle but I do want the CFPB to re-review and audit this agency and their procedures as they blatantly LIED to the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: NV
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:
These accounts listed and inquiries aren't mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hi there I 've tried to dispute some inquiry with transunion to no avail these inquiry should not be on there they just started showing up and they would no do anything about them there is about XXXX of them the dates are as followed 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 please have them take care of this please and thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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  Data 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 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 2022-07-26
Company: Experian Information Solutions Inc.
State: MN
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 disputed a dismissed bankruptcy on my credit report and it is still showing. I inquired about filing a bankruptcy but I never paid for the service or even signed any papers to have the guy to file on my behalf. I've had no luck contacting the company that I was working with to file the bankruptcy which is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. The guy that I worked with name is XXXX XXXX. I still have all the same debt that I had before I spoke with him about filing. Nothing happened with this except the fact that it was placed on my credit report causing an even more damage to my credit than the things I currently have on there. I really need this removed. Thank you very much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently transferred to a servicing company LoanCare, a XXXX XXXX. When I called to setup XXXX payments the servicer said that they could not accept XXXX payments and only accept XXXX payments. They, in turn, offered a service through a third party company, XXXX XXXX. XXXX XXXX charges a fee to collect XXXXXXXX payments of {$290.00} and then roughly ~ {$2.00} per XXXX payments. This sets me at a detriment because I am being forced to choose between paying this fee or paying monthly. Either way the servicer is maximizing fees or maximizing interest at the expense of the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only XXXX has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN XXXX IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!

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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX CARD 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 explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts listed on my credit report that aren't mine. Please remove them.

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 2017-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX  who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me

Company response to consumer: Closed with explanation