BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
US Bank refuses to acknowledge and pay off my car loan. My loan for a vehicle through US Bank has been paid off by my insurance company 4 times. Every time we call them they say they have no record of the check, they lost the check, or mailed the check back to the insurance company ( the wrong insurance company, XXXX when I have XXXX ) because they couldn't tie it to my account. However, if they couldn't tie it to my account how do they know they sent the check back to my insurance company. Below is a history of payments made to US Bank by XXXX XXXX. All payments have been overnighted and signed for and all of them have disapeared or they don't understand what to do with them. The last payment was overnighted on XXXX. This is the 5th payment to US Bank. US Bank says they have no record of this payment and still are not showing it paid off and charging me interest. I need help getting US Bank to say they received the payment, pay off the loan, mail the overage in payment and the title immediately. This has been going on since XXXX and we can not get US Bank to pay off my loan and complete the pay off procedures. Please help! Thank you! 



XXXX, BlaineXXXX XXXX XXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$7100.00} XXXX, BlaineXXXXXXXX  XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXX Payment ( {$7100.00} ) XXXX, BlaineXXXX XXXXXXXX Invoice Number : XXXX Payment # : XXXXPartial Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Stop Reason : Other Payment # : XXXXStop Payment ( {$15000.00} ) XXXXXXXX , BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$1100.00} XXXX, BlaineCXXXX XXXX  Invoice Number : XXXX Payment # : XXXX Payment {$600.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$64.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXSupplemental Payment {$15000.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXXXXXX XXXXent ( {$15000.00} ) Paid to Date XXXX {$17000.00} Collection Amounts

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have consistently contested the inaccuracies in the following information with XXXX, Experian and XXXX, and unfortunately, the issue remains unresolved to this day. 

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XACTUS Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, experion and XXXX show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX- again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX- not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX  - don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like the teachers credit union that had no business running my credit.

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 2023-05-22
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:
I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX Cred Card account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX XXXX refused to investigate properly and correct the erroneous 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Once again after months of battling this fraud, I'm addressing Trans Union is reporting fraud accounts on my credit report. Trans Union continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Trans Union investigated with the companies reporting fraud & say it's verified but shows no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Tran Union refuses to provide support. Trans Union is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Trans Union doesn't stop breaking the law. These accounts are FRAUDULENT!! XX/XX/XXXX XXXX acct # XXXX {$2200.00} &. XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Trans Union nor these companies have supplied me physical lawful proof in the 30 day time frame & now 5-6 months has passed & this is way passed the legal time, therefore Tran Union must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to theXX/XX/XXXXXX/XX/XXXXI HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Trans Union has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit inquirys not done by me XXXX XXXX XX/XX/XXXXXXXX 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 XXXXM

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 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  outsourcing # XXXX, XXXX funding # 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 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 information 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 2023-06-10
Company: FIRST ADVANTAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer report from First Advantage Consumer Advocacy Center. Through the mail. Pursuant to title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Based on that law First Advantage Consumer Advocacy Center have to give me a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I received a letter from ERC stating that I owed {$5400.00} from XXXX XXXX from over 5 years ago. I need further verification about this debt from an account that was closed and a charged off amount. I sent a letter on XX/XX/XXXX requesting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Account information incorrect

Complaint:
I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from XXXX. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my XXXX and TransUnion credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management is trying to collect on a debt that was already paid in full on XX/XX/2020. via my savings account with XXXX  bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX ), ( XXXX XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account 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 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 non-monetary relief