BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 began my dispute process with TransUnion on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to TransUnion, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to TransUnion dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. I have a USPS certified return receipt, which shows a representative of the agency received my letter on XX/XX/2021. It has been over a month and I have yet to receive any response from TransUnion regarding the results of their investigation. TransUnion 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that TransUnion should have handled much sooner.

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 2022-01-06
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: Account status incorrect

Complaint:
Was diagnosed with XXXX and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The vehicle was a total loss which the insurance company made the payment on XX/XX/20, in the amount of {$27000.00}. There was a balance of {$930.00}. Which XXXX XXXX mailed me a bill XX/XX/20 due XX/XX/20. I noticed XXXX XXXX reported to credit bureau, I was late XXXX and XXXX as well as wrote the debit off as bad credit when I was never late with the car note. I paid the {$930.00} before it was 30 days late. XXXX XXXX wrote the account off before the due date of XX/XX/20. I reached out to XXXX XXXX  and constantly received incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Navient Solutions, LLC.
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:
Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.

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 2020-01-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NUMEROUS TIMES I HAVE REACHED OUT TO 800 LOAN MART INFORMING THEM THAT THE ACCOUNT THEY HAVE UNDER MY INFORMATION IS FRAUDULENT AND NOT MINE. THEY HAVE ASKED FOR DOCUMENTATION ALONG WITH NOTARIZED PAPERWORK TO SHOW THAT THE ACCOUNT DOES NOT BELONG TO ME. I HAVE PAID OVER {$75.00} FOR A NOTARY FEE SO I CAN GIVE THEM ALL THE PROOF THAT THEY NEED TO CONFIRM THE ACCOUNT IS FRAUDULENT SO THEY CAN REMOVE THE ACCOUNT FROM MY CREDIT REPORT ONCE AND FOR ALL. I FEEL LIKE THEY HAVE SOLD MY INFORMATION OR THE COMPANY THEM SLEVES HAVE DONE SOMETHING UNDER MY INFORMATION. I HAVE NEVER ATTEMPTED TO WORK WOTH XXXX XXXX XXXX AND I HAVE NO IDEA WHERE THIS ACCOUNT IS COMING. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX I called TD Auto finance to pay my monthly truck lease. When I called their number ( XXXX ) the telephone prompts sent me to another department which notified me through phone message that they were closed. My calls started at XXXX XXXX central standard time. Eventually, I pressed XXXX to get to a customer service operator. The agent informed me that I was 90 days past due. There was a draft issue with my account so payments did not draft in XXXX. The agent sent to a collections agent which advised me of my options. I made a one-time payment of {$1100.00} on Friday, XX/XX/XXXX. I also made and additional scheduled payment of {$370.00} to be drafted from my account on XX/XX/XXXX. The collections agent told me that the Repossession order was canceled on my vehicle. The entire collection of phone calls lasted until XXXX XXXX XX/XX/XXXX. The next morning my vehicle was repossessed. When I called the customer service department, they told me that nothing could be done until Monday ( XX/XX/XXXX ). They also could not inform me of where my vehicle was located in order for me to retrieve my personal items. My work items were located in the vehicle. Currently, I have not reported to my job in 3 days. Monday morning ( XX/XX/XXXX ) I started calling the collections department at XXXX XXXX  and the a resolution was reached at XXXX XXXX that same day. The collections agent after putting me on a 20-minute hold stated that she confirmed with her supervisor and determined that my vehicle was wrongfully repossessed. She apologized and stated that a new worker made a mistake and did not cancel the repossession. She stated that my truck would be released and that I would not have to pay fees. When I tried to retrieve my vehicle the tower informed me that the yard closes at XXXX XXXX and that I owed a {$370.00} storage fee. I will miss the fourth day of work and I will have to pay {$370.00} dollars to retrieve my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In every attempt to open an account with a bank I am denied due to a bad report from Certegy. And it seems impossible for me to cash a 3 party check. I have obtained a consumer report from them and there are no outstanding Items listed in this report. There are only inquiries from my numerouse attempts to open a checking account to have the benefits that the establishment of checking and savings account ownership comes with. Thanks in advance. 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 2017-08-02
Company: U.S. BANCORP
State: MT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
It has now been 2 years since our house o has foreclosed. We continue to work hard to improve our credit and save money so that one day we will be able to purchase another home for our family. US Bank was the the second lien on my house. I continue to get statements from them that I owe {$47000.00} and my minimum payment {$15000.00}. During the foreclosure process in 2015 we had several conversations with US Bank and tried a short sale that did not go through. They stated if that did not go through then with the FHA Loan we had the foreclosure monies would be divided with the first and second lien holder. A lot of communication short falls and lack of follow thru with US bank has resulted. I have called and spoke with US Bank over 50 times in the last year and a half. I have told Us Bank several times I needed to know how and why I owe this amount. No one seems to know and they send me to several different departs with in US Bank. They have stated to me that they would contact me when they had a answer. This has not happened and I still have no answers. Well that has been the case since the foreclosure. We have contacted them multiple times and they never get back to us. They continue to send a statement every month with a past amount due and that is it. The overdue payment shows up on our credit report. It has been 2 years and US bank is very difficult to work with. They have not gone as far as demanding any payment or anything like that, they just send a monthly statement? This has hurt my credit report and has put very much stress on my family and I. Thanks

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 2021-09-02
Company: EQUIFAX, INC.
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: SC
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 disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: National Credit Systems,Inc.
State: AL
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:
Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) NATLCRSYS ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2015 and 2. ) NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2015 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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: Investigation took more than 30 days

Complaint:
These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, XXXX, and Transunion reports. They need to be removed because I did not add them there. TransUnion is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXXXXXX  reporting with incomplete information. Inquiries for XXXX  XXXX. XXXX-XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been XXXX, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX  have been reporting false inaccurate information. XXXX XXXX XXXXXXXX alleged account, an incomplete account-XXXXXXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account XXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.

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 2020-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has placed a collection account on my credit reports for a credit card that I never had. I didnt know if it was identity theft or if it belonged to my father who is now deceased who had the same name. However I never had a capital one credit card. Nor did I ever use one. Ive been fighting thiS with XXXX XXXX for years! They never removed it. XXXX  XXXX sold it to portfolio recovery Associates. I I do not owe XXXX  XXXX nor do I owe portfolio recovery associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Hello CFPB. Im a victim of fraud, please forward these documents to Capital One. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I sent {$200.00} through Cashapp to a friend. The app currently shows the payment as pending. My bank account show the {$200.00} as sent. My friend has yet to recieve the payment. I asked Cashapp to look into the problem and they say that no payment occured between the dates of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was placed into the US Bank assistance program due to COVID-19. After the last month of the program, i paid the Loan out fully. US Bank is now showing there's a 30day late payment charge. Will you please contact the Bank and have it removed. ( last 4 of Account number is XXXX ). 
Thanks

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 2020-11-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Please see the attached statement. It shows {$590.00} in rewards earned but these were not deposited. I would like these deposited into my paypal account XXXX I have used the card per the terms and not sure why this wasnt deposited. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I closed my account with American Express Serve last year and they allowed an transaction to go through this year on XXXX the XXXX 2021. I still haven't received the check that was sent last month. I want answers to how this happened and how many more people was affected in this way. Was it a breach and not reported to the government? American Express refused to give me any documentation on my account or this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied to be pre-qualified for an Auto Refinance Loan. When i apply by myself, I am approved. However, when my girlfriend, that is a XXXX  resident, is added as a joint applicant, we are denied. 

She has a credit score of at least XXXX, a salary of {$37000.00} and does not have any major loans or debts with the exception of one credit card at {$8000.00}. My credit score is XXXX, my income is {$77000.00} and my rent payment is only {$500.00}. 

We applied for a loan at Capital One for {$22000.00} and were denied. Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: NM
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:
In late XXXX of 2016 my husband and I took out a bridge loan with the XXXX XXXX in XXXX, NM. This allowed us to put up our XXXX XXXX XXXX XXXX valued at {$550000.00} as collateral on a bridge loan of XXXX. We wanted to purchase a small home in a retirement community, which we did. We were told we would pay just the interest each month until the XXXX XXXX XXXX sold. This loan would be renewed each 6 months if the XXXX XXXX XXXX had not sold. Sadly my husband passed away at the same time the loan came up for renewal. Rather then renewing the loan, the legal department demanded a probate on the title, which even the probate judge said was unnecessary, also a new title search etc and all new closing fees. I also kept paying the interest each month even though during the whole 6 months I never received a single statement. The whole process seemed totally uncoordinated. They said they could not let me know in advance how much the amount of the payment would be because there were different numbers of days in each month. ( ridiculous excuse ). They have renewed the loan, finally which took two months due to all the legal hassel they put me through and now my credit report with Equifax shows a 100 plus drop from excellent to fair because they apparently repiorted failure to pay off on the loan which is totally untrue. I continued interest payments even when the loan had not been re confirmed.All during the time they were processing things I was getting threatening letters regarding paying off the loan balance. Each time I got a letter I called XXXX XXXX the loan officer and she would tell me to disreguard the letters, that they automatically went out. ( Really? ) Well now they have XXXX XXXX my credi which has always been " excellent '' and I still ca n't get them to send me statements or a coupon book or an email, whatever, to advise me of the interest and date for each payment. Please help me get my credit score back and get statements of some sort.My largest payment in a month is {$800.00} And it varies from that point.

Company response to consumer: Closed with explanation