BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: U.S. BANCORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease with USBank. It has been one of the worst banking experiences I 've ever had. Their autopay feature never worked, though I tried to set it up multiple times. In addition, every month their web site account summary showed a different amount due ( typically {$0.00} ) than their PDF monthly statement. I never knew how much I actually owed. They often charged late fees even though their web site account summary and payment page said {$0.00} was due. 

All of this is just context for how my 39 month lease experience went. My specific complaint at this point in time is the charge I received on XXXX XXXX, 2018 for Excess Wear & Tear after returning the car. The car had only normal wear and tear -- no accidents, no serious dents, and it was garage kept in the winter. In addition, it was well under mileage -- the lease included a total of XXXX miles, but the car was returned with under XXXX miles. 

Still, after all of this, they 've billed me for an Excess Wear & Tear fee of {$190.00} ( plus {$12.00} in tax ). This does not seem right.

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 2019-07-17
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 I went to an urgent care at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX because of a XXXX XXXX XXXX. I paid a fee to see a doctor and specifically said I did not agree to pay outside lab fees. I told them I had a XXXX XXXX XXXX, which I verified by taking a test I bought at a pharmacy for about {$10.00}. I was told by the intake clerk that the test was included and performed in their office. 

I received a bill from XXXX XXXX of Oklahoma invoice date XX/XX/2017 in the amount of {$510.00}. The bill listed two XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; two XXXX XXXX, AXXXX XXXX ; XXXX XXXX  ; and five XXXXXXXX XXXX XXXX XXXX, each as separate charges to total {$510.00}. 

I called XXXX and the urgent care in XXXX. I have a note with the paperwork that says " XXXX XXXX XXXX XXXX '' but don't remember who told me that name. I do remember the medical office person telling me she would call the laboratory and tell them the charge did not belong to me. 

Apparently that never happened. I get annoying phone calls multiple times per day. 

Today I tape recorded a call where I demanded Transworld Systems Inc stop calling my number and send any billing in writing. Four hours later they called me again. They said the bill they were trying to collect is from XXXX XXXX for {$510.00} incurred on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yesterday I received a bill in the mail from my XXXX gas credit card company, which I have had for many years. This is the second bill I have received with an envelope marked " '' XXXX* XXXX '' as the return address, printed in black. The postage is prepaid. The envelope does not look like a bill. It looks like junk mail. I almost threw it out last month and I almost threw it out again. I opened it and searched and searched the fine print for information about WHO this bill was from. Finally, on the bottom of the bill, in very fine print, I saw the information " Make Payment to : XXXX  XXXX CO ''. I think the company is intentionally making the bill look like anything BUT a bill, in hopes the receiver will throw it away, not make their payment, and then be charged a late fee or penalty for non-payment. I think it is deceptive, BY DESIGN. I called them and complained to a customer service agent. I was very angry. The bills did not used to look this way. When I got to the 2nd page of the bill, there was a clear red " XXXX '' picture of a credit card. By then I had spent annoying minutes looking for this information that should be clearly marked both ON THE ENVELOPE and on the face page of the bill. This will be my last bill from XXXX. I am writing the company, and cancelling my card! As far as I 'm concerned, they are setting themselves up for a class action law suit - I am curious how many people are throwing this bill in the trash. I do n't know what the " XXXX '' aspect is of the bill, but it is new - I think some rewards program. This is either a shameful practice, or very BAD marketing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, XXXX and Transunion for reporting in correct information. I also reached out to XXXX and XXXXXXXX XXXX to have the late payment disputed off 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 2019-02-11
Company: PNC Bank N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I made an online payment on PNC 's website. The next morning I discovered that they had withdrawn the mortgage amount twice without my authorization. 
I called them immediately and was told that they had a glitch int their system and it would take 24-48 hrs to return the funds. I called them again on XX/XX/2019 because the money had not been returned as promised. This time I was told that it was 24 -48 business hours from the time that I called them. 
They have put the onus on the consumer to call them prior to them releasing the unauthorized withdrawal and have done nothing to inform the consumer of the mistake. In the meantime I have had overdraft fees and have to use a credit card for any new expenses. PNC has not offered to refund any interest or finance charges on the credit card and they have prevented me from using the money as a source of income. They will not reimburse for opportunity lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Issues 1 ) Lender XXXX XXXX  was not truthful about how payments would be structured. I was told I would have one loan approval for 4 years that I could take disbursements of and pay as I go. The fact was each disbursement was a new loan with a new payment making me have 3 different loans and 3 different payments which was unmanageable. Due to this, we did a refinance to pay off loans and go with a better student loan lender. 

2 ) Servicer First Mark lost one of the payoff checks for over {$8000.00} and refused to provide a direct contact to work with to find my money. They say their accounting department does not have phones? It took multiple calls and contacting the mortgage company to prove the check had been cashed to resolve the issue. 

3 ) I have an over {$1400.00} overpayment due to me that they can not tell me where it is. I have requested to know to whom, and where the payment was sent. Again, they will not provide a direct contact to address the issue of my missing money. After the 3rd call and third request for records and 3rd time I have been told my account has been " noted '' I was told they check was mailed to XXXX XXXX lending but still no address, or info if the check has been cashed as I have requested. Again I am not given a direct contact, they say they will call back and never do so I must recall the main number and get a new person each time. XXXX XXXX has not receivd the check and needs to know the address it was mailed to and first mark refused to provide this information. Mean while I am left with MY {$1400.00} just missing as this is my money and should have been mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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:
XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, Equifax and XXXX for reporting in correct information. I also reached out to XXXX and XXXX XXXX to have the late payment disputed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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: Their investigation did not fix an error on your report

Complaint:
I am complaining about transunion and XXXX  credit reporting agencys. I have a XXXX XXXX XXXX XXXX account reporting on my credit report that does not belong on there. I am uploading proof from XXXX that they completed there investigation and this account is not reporting on my XXXX credit report. All my reports should be reporting the same. On top of this XXXX has sent me a letter stating if I do not send in additional information they willing not re-dispute this account for me thats not right because having this wrong information is affecting my credit score

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 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. 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 2021-12-09
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 APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON 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 2021-12-09
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: Account status incorrect

Complaint:
XXXX XXXX did not even reach out to me or offer me help with my payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! I had a perfect pay history and work for the State of IL IDES!!! I want them to help me and remove that 30 day late!! I am a twice widowed mother doing all on my own and need some help!!!! I not only paid the past due amount but this months full payment as well on XX/XX/2021 which is when I got paid and the soonest I could yet they still turned around and ruined my credit score and I have two cards with them and always pay on time!!!! 

We have processed your request to schedule a payment for your XXXX XXXX account. If you did not make this request, please contact Customer Service immediately. 

You can confirm cancelled, scheduled or received payments by clicking here. 


Sincerely, XXXX XXXX  Customer Service Completed Transactions Filter Activity Since XXXX XXXX Statement Sort by : XX/XX/XXXX PAYMENT - THANK YOU $ XXXX XXXX XXXX 30 DAYS LATE Credit Cards {$1900.00} Status Date Reported XX/XX/2021 Payment Status 30 Days Late Amount Past Due {$150.00} Account Details Account Type Charge account Responsibility Individual Age Of Account 0 Years, 7 Months Credit Limit {$2000.00} Credit Used 98 % Available Credit {$45.00} Highest Balance {$2100.00} Payment Details Amount Past Due {$150.00} Date of Last Payment Dec 01, 2021 Monthly Payment {$100.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current Lender Info C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Payment History 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her doing all on my own and need some 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 non-monetary relief
Consumer complaint received 2021-02-18
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: Was not notified of investigation status or results

Complaint:
I have been dealing with inaccurate information on my credit since XX/XX/XXXX. To this date XX/XX/XXXX there still remains inaccurate items on my report. I have attempted to resolve this issue but to no avail. I have done research with the FCRA and these companies seem not to take the law into concern. I feel like Im being taken advantage of, I have enclosed a copy of my most recent letter.

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 2021-02-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I receive a report from Experian XXXX on XX/XX/2021 the dispute for Method of Verification/ Data Furnisher was not given for Chapter XXXX Bankruptcy.

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 2021-02-14
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 received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, accounts that are included in litigation. The file number is XXXX, and Experian and XXXX  have failed to delete the mentioned items.

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 2018-01-15
Company: Experian Information Solutions Inc.
State: FL
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 received a response from Experian from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report Experian is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and Experian has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but Experian is not using all information before placing things 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 non-monetary relief
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The United States Bankruptcy XXXX failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a 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 2019-02-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2021-12-09
Company: Experian Information Solutions 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 am a human being that is filing this complaint with the CFPB. I recently sent documents over to Experian on XX/XX/2021. I disputed XXXX XXXX XXXX accounts as they were of identity theft. To my knowledge all were a part of identity theft and I file an FTC report along with a police report. As of XX/XX/2021 XXXX of the identity theft accounts XXXX XXXX were removed and XXXX  remained. Well that makes no sense because if all XXXX accounts were of identity theft why would XXXX remain and all were from identity theft? If all XXXX accounts are identity theft why arent all XXXX removed? I dont know if that was a system generated mistake but it needs to be resolve immediately and permanently by the end of the day on XX/XX/2021 or I will file a lawsuit. I need a supervisor to take a look at this. I have contacted Experian to see why the accounts remain on my consumer report and it has been more than 60 days that these accounts are on my consumer report. I need to see evidence of the procedures during this dispute and who did it and how it was done. I have asked for detailed disputes record and I havent received a darn thing. This is becoming frustrated dealing with Experian. I have come across rude and disrespectful agents who dont respect me as a consumer.

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