BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: U.S. BANCORP
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:
On XX/XX/2020 I contacted U.S Bank because due to the COVID-19 pandemic I was going to need additional time in paying my car payment in the amount of {$620.00}. 
After waiting on hold for nearly two hours the representative instructed me that the payments would be placed into a forbearance period for 30 days and this would not cause a late being placed being on any of my ( 3 ) credit reports.On XX/XX/2020 I discovered that U.S Bank  notified all 3 credit bureaus that i was late on my XXXX car payment. After seeing what U.S Bank did in error I immediately contacted U.S Bank and initiated a dispute.On XX/XX/2020 I contacted them again to discover the findings of the dispute I initiated and i was instructed by a customer service representative that my dispute was denied when i asked for a reason or explanation they instructed me that they do not provide a reason or explanation for their denials.

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2020-06-27
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got my XXXX XXXX in XX/XX/XXXX for {$14000.00}, APR 23.23 % for 72 months, from Consumer Portfolio Services.. I've paid 90 % on time payments. I still owe {$9800.00} I've paid {$12000.00} in interest fees. I even was making extra payments {$200.00} a week and none of it was going to principal.. All my payments are going to the finance and not the principal. I've asked when my loan will be paid off they won't give me an end date. They say they're extending my contract to 96 months, even with that there's no way my loan is going to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions Inc.
State: WI
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 sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored 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 non-monetary relief
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX and XXXX have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts 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 explanation
Consumer complaint received 2022-08-09
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 XXXX Account # 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A new hard inquiry was made on my Transunion account for a XXXX card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.

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 2021-03-05
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Collections Bureau refuses to dispute three hospital/physician charges from XXXX XXXX XXXX. I was insured on the dates of service XX/XX/2019, XX/XX/2019 and XX/XX/2019 I had XXXX and insurance. I provided the hospital with my insurance information which was South Carolina XXXX. The hospital advised me that they dont take out of state XXXX. They then sent my three accounts to United Collections Bureau to report on all three of my credit reports. I have reached out to this collection agency several times and they are refusing to dispute or remove my accounts because of the age. I advised UCB that I have disputed these accounts with them and provided my insurance information when they first received the accounts and they did not file to my insurance as they promised. The insurance they billed was GA XXXX and I was not insured under GA XXXX and they know that through several conversations with me. UCB had all information to try and resolve this account and they failed on multiple occasions as I was eager to have the accounts paid and resolved by XXXX. The total on the three accounts {$1300.00}, {$530.00} and {$1200.00} I am requesting that they remove these accounts from all three credit bureaus due to having insurance at the time of service. Please remove these accounts from the credit bureaus. I offered to settle the accounts for a pay for deletion and they are refusing to delete them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was XXXX XXXX. The debt was sold three times to ultimately XXXX  in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When XXXX took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please 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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX   to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX  bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.

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 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was attempted from a corporate bank account and the payment was rejected. Further, the card was put on hold and has remained on hold since XX/XX/22. 

XX/XX/22 XXXX of Capital One Credit Card attempted with a bank account not used prior. Payment rejected XX/XX/22 Capital One Credit Card placed on Fraud Hold XX/XX/22 Payment was again attempted with a different account and rejected again. 
XX/XX/22 Interest Charges posted. 
XXXX Payment was made using original bank account successfully ( {$0.00} balance ). Account is still on hold XX/XX/22 Capital One requested bank statements from the first account used to pay the card. 
XX/XX/22 Capital One requested a phone call with a signatory on the bank account used to pay the credit card. A conference call was successfully completed. Capital one requested proof of signatory authority of individual on bank accounts. 
XX/XX/22 Additional Interest charges posted to account. 
XX/XX/22 A letter from XXXX XXXX was submitted listing individual as signatory on the accounts used to pay the credit card. 
XX/XX/22 Capital One card is still on hold and can not be used nor any rewards redeemed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
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, XXXX, and Experian are repeatedly showing incorrect information regarding an open XXXX XXXX  account, a closed XXXX XXXX, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX  XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ).  Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX DBA XXXX  ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX   XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-12-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Previous complaint number ID - XXXX In reference to this complaint after 3 1/2 months Chase returned my money. 

However no interest was added. They are lending money at 7 %. I called them asking about the interest they owe me for withholding the funds and they claim it is not " protocol '' to give interest funds. This money was illegally withheld and as of today they never gave me a reason other than fraud, which it was not the case. 

I am aware they used my money for 3 1/2 months, lent it, collected 7 % interest and kept it to themselves. I want my share of that interest even if it is {$1.00}. 
At this point it is a matter of principle. 

I am in awe of what the government allow these banks to do to the citizens especially us, the middle class. They are stealing from us and they get away with it. 

Please advise if there is any recourse to my complaint. 

Thank you for your attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: CO
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: Other problem getting your report or credit score

Complaint:
exparian is demanding i pay a fee before allowing me to review my credit report, and to view any disputes i have opened with them on both my wife and i 's credit report which is full of invalid or fraudulent information and charges, they have also made it to where you cant cut and paste anything proving wrong doing against them on there web sit

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 2020-06-27
Company: CUSTOMERS BANCORP, INC
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Banktookmoney off card without telling 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 2021-10-09
Company: OneMain Finance Corporation
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:
If ONEMAIN wouldve looked at the attachments, they would know and see the inquiry have been removed. A deletion is admission. I do not believe ONEMAIN improperly obtained my consumer report, but I KNOW ONEMAIN did. ONEMAIN benefited from my credit card, but I did not. That is a violation pursuant to 15 USC 1691 Equal credit opportunity which states, it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Did ONEMAIN give me anything after obtaining my consumer report? No. Thats another violation pursuant to 15 USC 1681n Civil liability for willful noncompliance ( b ) civil liability for knowing noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting or {$1000.00}, whichever is greater. ONEMAIN damaged my consumer report, and I am seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/22 Had bed for sale on Marktetplace and rec inquiry from individual. States I needed to put XXXX into her account as a business to business transaction to avoid her loosing the XXXX for the bed. The email address was different than the bank account. I did not think that this was right but unfortunely I did what was asked. I had only used XXXX 2 times previously. I called PNC bank and she immediately advised this was a scam so I was to call and file report which I did. Then I got a letter stating my request for reimbursement was denied by XXXX. I called them again and asked for review to be done. They advise me that I am to do transaction only with people that I know. After the fact I received XXXX  routine information on scams. Not proactively but after the fact. I asked why a bank would be in partnership with XXXX and informed they are not but I am now aware that is not accurate. 
Once i knew this was a scam I sent a text back to the individual informing I knew what she was doing and she blocked me. 
I am requesting assistance with this as I am aware of the increase in this activity and the bank is responsible since they are part of the XXXX XXXX XXXX XXXX with several other banks. They are responsible to be proactice. They were very aware of the scam when I called but not willing to overturn. I do not know this person that did this. I have no relationship with her. I would appreciate assistance on what can be done as the bank appears to not be willing to help. They very likely have accounts to cover scams and the number is rising so I would think they would be doing everything possible including not being part of this LLC with the issues. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-07-20
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: Investigation took more than 30 days

Complaint:
To Whom This May Concern, My name is XXXX XXXX. I am reaching out due to the credit bureau systems disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I dont appreciate my case being dismissed due to the fact that the bureaus expect me to water down my intelligence, as an excuse to not be held liable. I have attached a written letter sent to my XXXX XXXX XXXX XXXX  address stating TRASUNION received my initial dispute on XX/XX/XXXX. Today is XX/XX/XXXX, and these reports havent been updated as being disputed on my credit profile which is dated- systematically ( Photo attached ). I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I ask that you hold them accountable to these violations or I will pursue a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards, XXXX XXXX ( SSN CARD, ID, and Letter from Transunion attached with other evidences to prove this statement was written by 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