BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: MS
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 am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. 

Please resolve this manner as soon as possible. 

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 2018-05-02
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting since XX/XX/XXXX to work with US Bank on getting the PMI removed from my mortgage. I have met the requirements of on-time payment for the last 2 years and I believe my property will appraise high enough to put my LTV at 75 %. US Bank has been uncooperative in setting up an appraisal and there has been no follow-up after numerous contacts with their home mortgage dept. I believe they are delaying this process in order to continue collecting PMI or are simply inept at getting an appraisal set up. Either way it comes out of my pocket!

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( TransUnion & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ XXXX XXXX  ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - XXXX XXXX received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - TransUnion reported XXXX XXXX  as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

XXXX XXXX, TransUnion LLC., & Experian have all violated my rights. XXXX XXXX  failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither TransUnion nor Experian, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and TransUnion on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by XXXX XXXX  does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report 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 2021-05-26
Company: Mountain Run Solutions, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I sold my home that had a XXXX  alarm system. Due to illegal practices of alarm company, I quit paying the monthly amount several Months before home sold. XXXX has been removed off my collections account once due to them charging me for A system I did not have access to. InXX/XX/XXXX, a company sold the debt to Mountain Run Solutions saying I went delinquent inXX/XX/XXXX. Thats impossible because I hadnt paid them since XXXX. I can not get anyone to give me an original date of delinquency nor are they reporting the original date of delinquency on any of my credit reports. I believe they are illegally re-aging my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I acquired a car loan from USAA in 2016. I requested and was informed that I'd be enrolled in USAAs automatic payment withdrawal program. A few months pass by and I was informed by USAA that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to USAA and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, EQUIFAX & XXXX  have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: MS
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:
Experian lower my credit score due to an inaccurate payment status that was made by XXXX XXXX in XX/XX/2017. XXXX XXXX has corrected my positive payment history and Experian is still refusing to recalculate my credit score as raise it back to the status that is was in before this inaccurate, negative information was place on my credit file.

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 2020-11-04
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: Account status incorrect

Complaint:
I disputed 3 negative accounts on my credit report EXPERIAN on XX/XX/2020 and received the results back report # XXXX XXXX out the 3 accounts XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX outcome is listed as DELETED. I have an updated credit report which shows they have been removed .However it still shows on my credit report when a merchant runs my report. I called experian spoke with a XXXX who was very rude and he confirmed the items are still showing on his end!! I gave him the dispute report number he refused to make the correct changes Ive contacted XXXX their verification is inaccurate I cant get my report from them, both XXXX XXXX and XXXX are reporting inaccurate information because of it my credit score is inaccurate and I have been declined 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 non-monetary relief
Consumer complaint received 2018-06-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the date below : XXXX 30 days late as of XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX shows no late payments. There are clear discrepancies between the credit bureaus in the credit history. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX and XX/XX/2017 there was fraudulent activity on an account I cloned with my minor daughter. There were fraudulent checks being written and cashed a file was claimed with the bank the bank in essence denied the claim closed the account and is now taking funds from my personal checking and savings accounts. A police report has been filed claims have been filed and the bank continues to remove funds from my account. My account has been overdrawn I've been charged in NSF fees in addition to being left with negative balance and no money to live on. I have received no assistance from the bank they attempted to return some NSF fees and in turn they turn around and took them right back to recover the debt. The amount in question is {$3000.00} removed from my checking and savings account and an approximate amount of {$400.00} - {$450.00} in NSF fees that were charged to my account leaving me with a negative balance.

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 monetary relief
Consumer complaint received 2018-06-26
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
In XX/XX/XXXX by daughter was in a car accident and her car was totaled. She was not hurt. GM was informed of the accident and our insurance company paid their portion of the loss {$10000.00} and it was credited to the account on XX/XX/XXXX. 

XX/XX/XXXX - I logged into my account and had an online chat where 'XXXX  ' stated the account was paid in full. ( see attachment ), so I thought our obligations were complete. 

I followed up a few more times and each time GM told me they were simply waiting for GAP insurance to process, but my account was fine. 

XX/XX/XXXX - My credit bureau report was hit with a late payment. 

XX/XX/XXXX - I called GM and spoke with XXXX ( id XXXX ) and she informed me that I was late on my payments. This was the first that I had heard the account was not in good order. XXXX admitted GM 's systems were not showing accurate information but I owed $ XXXX/mo until GAP insurance was received. This was the first communication from GM telling me this, and their on-line site did not show this information. 

XX/XX/XXXX - My access to the on-line GM portal was shut down, and I was told that in order to make a monthly payment via phone, GM would charge me an additional {$10.00}.

I was also told that my daughter ( the other co-signer on the account ) still had access on-line. This was not true either ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Shows up as " Medical Data Systems ''. I do not recognize this phone number or this company. I do not answer numbers or callers that I do not recognize. If a call from an unrecognized number leaves a voicemail, I delete that voicemail before the message even beguns to play. Too many scam robo-calls out there. 
Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: WELLS FARGO & COMPANY
State: CA
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:
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with Wells Fargo Dealer Services for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXXof XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: WA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a notice from my new monitoring service regarding an account from XXXX XXXX XXXX in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2019-03-22
Company: USCB Corporation
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
THIS IS MY SECOND COMPLAINT FILED! I have never heard of this school and they are trying to make me pay for a loan that I didn't sign up for. I have never attended any of these classes. please show proof or remove from 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 explanation
Consumer complaint received 2018-05-02
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I contacted Santander Consumer USA to discuss errors on my credit report. In XX/XX/XXXX I was injured in a life threatening accident that has left me XXXX XXXXXXXX. When able I contacted Santander ( as well as my other creditors ) to inform them of severity of my injuries. I spent the first 2 years of recovery hospitalized and then moved into XXXX XXXX. Santander was very responsive at the time. At the time they agreed to close and settle my account with the proceeds from the sale of my automobile. Santander was to send me an account history and a debt settlement letter for my records. The car remained parked at my house whilst I was hospitalized. They would retrieve it later.

Recently, I when looking at a credit app I noticed that the account was not closed and it was actually being re-aged with a new closure date of XX/XX/XXXX. I contacted Santander right away. Unfortunately their customer service agents have been difficult to deal with. The notes in their system are only half complete. Their phone records log my call and that I requested payment of account information in writing be sent to me. However, the information recorded as to the exact documents sent is sparse according to Santander. I have asked that they pull phone recordings from my call but they seem not to have retained it.

Upon suggestion, I escalated my calls to the Office of the President/Consumer Affairs. I have spoken directly with Dept Supervisor XXXX XXXX who was unable to help but also made it very difficult by attempting to close out my complaint several times. Then I spoke directly with VP XXXX XXXX. Its been a month since I spoke with him. I have left messages with XXXX XXXX or a secretary 2/3x per week since. XXXX said that he would return my call after investigating. He has never called. On Monday XX/XX/XXXX, after a full month of waiting I was passed to XXXX in Legal Affairs. XXXX assured me he would speak to XXXX and call me today on Wednesday. The day has come and gone and I have heard nothing. I have made over 50 calls in the last month trying to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
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:
XXXX XXXX  XXXX ( XXXX ) sent credit card bill via email and I missed seeing it in mid XXXX. I also thought I had closed the credit card in XXXX. 

XXXX sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XXXX ). The {$12.00} bill was paid and then XXXX closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a Transunion alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this XXXX credit card. 

I sent an email to XXXX asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at XXXX informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask XXXX again to remove the reporting of a late payment from my credit report given the small amount. I realize that XXXX  does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.

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 2021-05-26
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: Was not notified of investigation status or results

Complaint:
I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.

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