BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: The Outsource Group, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX year old responsible XXXX  XXXX XXXX veteran with full medical coverage through the Dept of Veterans affairs.I do not have personal responsibility for this hospital bill.I have made no payments on this account and XXXX has never contacted me. On XX/XX/2017 I fell through a XXXX   and XXXX XXXX. I was XXXX  and treatment at a Veterans health care facility was unavailable in this emergency.The hospital was informed PRIOR TO TREATMENT that the payee would have to be the OR. Dept of Health ( my client ID XXXX ) or the XXXX Veterans Choice Program. After numerous contacts with the hospital, Veterans Admin., the Oregon DHS ( department of human services and the office of US SENATOR XXXX XXXX I was told that the hospital would pursue payment from the  appropriate party and NOT ME! The hospital was negligent ( LAZY ) in their proper pursuit of payment. At some point without notice the hospital turned this in to collection.At no time did they try to resolve this matter in a professional or compassionate manner with me. Now my credit score has been severely diminished ( 30 points ) It is reprehensible that a Religious organization hospital would conduct itself in this manner without competence and compassion.

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 2019-02-14
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a US Bank Credit Card in XX/XX/XXXX. The promotion offer was that if I spend {$4500.00} in the first 150 days, they will credit my account with {$500.00}. As seen in the attached file - AccountPaymentHistory.pdf, I had spent {$5200.00} within 150 days. I sent US bank an email regarding the credit and received the following reply from them on XX/XX/XXXX ( Our records show that you have met the {$4500.00} spending requirement. You will receive the {$500.00} bonus rewards within four to six weeks. ) I waited for 6 weeks and after 6 weeks, I again sent US bank an email. I received the following reply from them on XX/XX/XXXX ( We apologize for the incorrect information given in our previous response. Once the account has qualified for the bonus rewards, it may take up to 10 12 weeks from the end of the offer period to receive the bonus rewards. ) I again waited for 12 weeks and sent them an email regarding the promised offer. I received the following reply on XX/XX/XXXX ( Our records indicate that this account was opened as of XX/XX/XXXX with an offer to receive a {$500.00} cash rewards bonus for each employee account individually for having {$4500.00} in net purchases within 150 days of the account being opened. 
Reviewing your account, neither employee account affiliated with this business met the net spending of {$4500.00} in the first 150 days of the account being opened. Therefore, this business account is not eligible for the {$500.00} bonus. Your account ending in XXXX had net spending of {$2900.00}, which did not meet the spending requirement. 

The main credit card account ends in XXXX and there are two employee cards within the central account. The total amount spent in main credit card account ( XXXX ) was more than {$500.00}. The credit card company is now coming up with an excuse that each card had to spend {$4500.00}. As seen above in their replies and the attached emails, they agreed that I had qualified for the offer. But it was never their intention to deliver the offer. ) First they said 4 to 6 weeks, then they said 10 to 12 weeks and finally they refused. 

The credit card company 's offer was deceptive and deceitful. They wanted me to just keep spending on the credit card until they could refuse the offer. A strict action should be taken against US Bank for willfully misleading the customers and not delivering on their promises. 

Attached is their email chain where they accept that I have qualified for the offer and then rescinding the offer once it came time to deliver. Also, is the account history where it shows that I spent over {$5000.00} in the first 150 days. 

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 monetary relief
Consumer complaint received 2021-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone in USAA bank withdrew {$760.00} from my checking account instead of my daughters account for her car insurance payment. The bank has not resolved this obvious mistake on their part. I am out {$760.00} because someone clicked on the wrong line and they will not remedy their mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2018-02-01
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I originated this loan in XXXX. It was for the purchase of a XXXX Carry over truck but it was new.We got the loan at 0 % interest rate. Things were going well as far as payments and amounts being correct until they did a update to their computer system in XX/XX/XXXX. Ever since then there has been a discrepancy of about {$400.00}. I have called and emailed numerous times. I can go back just like they can in payment history, yes I have moved my payment due date but I had always paid in the end what it said the payment was. I did split my payments in 1/2. I did a complete printout of my loan payments since the origination of the loan. If what they are telling me is correct that this is all late fees that had occurred since the opening of the loan and were not paid 1. Why were no phone calls made to me? 2. Why was it not stated on the online account page until XX/XX/XXXX? If there are late fees still owed fine I will pay them but I DO NOT agree with the {$400.00} they are saying it is. I can calculate and in the worst case it is like {$50.00} I owe!! Every time I call the representative says yes I see it and I will get it taken care of.Then there is also times the computer system is down. That has happened alot! They always assure me the problem will get fixed Well guess what it isn't!! GM Financial prides itself on its customer service. That's a load of XXXX!! Even if they offer the 0 % financing really think long and hard about taking it!! This company will put you through XXXX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

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 2019-02-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX store card issued by XXXX Bank. This bank doesn't provide auto payment feature on purpose and rips people off on late fee even if they are late by one day. I have requested that they provide this feature as this is a minimum standard every credit card company provides and it is extremely difficult for people to remember that they have to make this one credit card payment manually every month.

The company just keeps on ignoring the complaints and continues to rip off people on late fee by NOT PROVIDING THIS FEATURE on purpose. 

I strongly feel that they business model is to make money out of late fees. 

I request that CFPB looks into their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.

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 2019-02-14
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this balance in XX/XX/2016 for the amount of XXXX to Credit Management.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
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: Account information incorrect

Complaint:
As I checked my three credit reports from annualcreditreport.com, on XX/XX/20XXXX XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with XXXX and Transunion and not with XXXX. I'm requesting that this inaccuracy be deleted from 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 2019-02-14
Company: Premier Student Loan Center
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was looking to consolidate my student loans and hoping to get some of my loans forgiven. A third party company, Premier Student Loans, reached out to me stating that they were going to handle my loans and that there would be a {$0.00} payment towards my loans for 10 years unless I want to make payments. After the 10 years, all of my student loans would be forgiven. The only catch is that I have to make 6 payments of $ XXXX/month so they can certify that my loan payment is {$0.00}. After that, it would be $ XXXX/month for the next 10 years, but that will not go for my loans, only in their pockets. What I later realized, was that my loans are serviced through XXXX XXXX, and this particular third party company is not affiliated with XXXX XXXX. XXXX XXXX did see my balance of {$0.00} towards my student loans, but did not see any other transactions taken out. I am in a grace period, and I am not required to make any payments at this time, so this company took over {$1100.00} of my money that is not even going towards my student loans. I am a XXXX and unless you have been XXXX for 5 years, loans can not be forgiven. I have only been XXXX for 3 years, so I was given misled information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: FIRST ADVANTAGE CORPORATION
State: NE
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:
We filed and were approved for a Chapter XXXX Bankruptcy in XX/XX/2019 which included an account we had with XXXX. Upon applying for new employment recently and receiving a copy of my report I noticed that this account is not only appearing as open on my report and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: EQUIFAX, 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:
Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: MT
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 reported on XX/XX/XXXX to XXXX, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by GRANITE STATE MANAGEMENT RESOURCES ( GSMR ) I provided documentation to XXXX  that the debt was paid off. 
XXXX  reported that GRANITE STATE certified the debt as current. 
The document provided from Granite State clearly shows the account is at a XXXX  balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
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: Public record information inaccurate

Complaint:
I take advantage of XXXX yearly. When I applied for a home loan through XXXX  in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on Experian, XXXX, and two on XXXX. The six on Experian and XXXX were created by XXXX XXXX. The two on XXXX  were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are 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 2021-10-04
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error 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 2019-02-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/2018, I purchased a XXXX XXXX XXXX from van from XXXX XXXX XXXX in XXXX, Georgia. I could not get a state ID, having merely my military documents. 
They sat the payments back two months and charged me an awful interest rate for the first couple of payments. Then a month ago they started calling a friend 's cell phone without his permission or mine. This has taken a toll on the respect and concern from my friend who helps me get to doctor appointments and groceries and other things like that. They took away the one thing that I need. A helper! And I am legally XXXX and live in a remote area. He does not, nor I have to put up with this.. I need them to understand that the disrespect of privacy laws doesn't only hurt them legally, but it also hurts those who are victims of their failure to comply with federal mandates. I no longer need the van since I don't have a driver. they can not keep calling a third party without MY permission.

Company response to consumer: Closed with explanation