BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCT # XXXX I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

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 2018-01-27
Company: National Auto Lenders, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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:
My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information capital one bank usa # XXXX was closed and paid 5 years ago. These accounts are also on XXXX which also hasn't removed these accounts. XXXX had an account that was 10 years old as well. From capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : XXXX Based on the fact that you have closed this case because the company ( Medicredit ) has responded, how do I access the response. I have not heard from Medicredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
US Bank issued Master card gift card failed to work on Point Of Sale and vendor is unable to identify why it failed. Called number back of card and they too do not know why it failed. They are not willing to return fees since failure.

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 2019-06-30
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX I contacted Discover to remove me as a cosigner and was given false information and false hope by rep XXXX and supervisor / manager XXXX. They told me I can be released as a cosigner if payments are made consecutively 48 times. How ever when I asked for more information I was told that this process is more detailed than it sounds. XXXX went on to say that a cosigner can only be removed it the student has good credit by qualifying as if the loan was a credit card application. This loan was originally a XXXX XXXX loan and was bought by Discover who is using there policy to make it seem as if I agreed to there terms when I never did. I want to see the original loan paperwork from XXXX XXXX to see what the policy was back then. Discover is holding me hostige to this loan and I should be released as reqested. Discover is treating this loan like a credit card and using the same method with a student loan that wasn't there to start with. I never agreed to any of there terms nor did I sign anything. No one should be forced to stay on as a cosigner especially since most companies are allowing parents to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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 information incorrect

Complaint:
My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my  credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information XXXX XXXX XXXX  usa # XXXX was closed and paid 5 years ago. These accounts are also on Equifax which also hasn't removed these accounts. Equifax had an account that was 10 years old as well. From XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: MO
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:
There was an account that was reinserted on my Consumer Report Illegally from XXXX, XXXX, and Equifax. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: SECURITY FINANCE CORP
State: ID
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:
Aut9mated accounts original creditors name XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is  {$1100.00} with high balance shown as $ 885 monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.

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 2021-04-22
Company: COMPASS MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I worked with Compass Mortgage of XXXX, IL for a mortgage that I closed on XX/XX/2021. At closing, at the title company, I signed all of the documents with my attorney present. The first payment document, showed my payment was for {$1100.00}. There were also several closing documents that did now show the exact monthly payment amount. 

On XX/XX/2021, I received an email from Compass regarding the first payment. I reviewed the information, and it shows that my first payment in fact is {$1700.00} and change. I reached out to the Loan Officer, who replied that it was the title company that did not use the most accurate tax year and therefore, it was at their fault. Then he states in a separate email, that he doesn't know where the miscommunication was but here ( attached ) are the correct documents. He informed me that during previous conversations that he made me aware of that my mortgage would be approx $ XXXX {$1800.00} per month. I explained that I assumed that because I was at closing, that everything should have been finalized, that my payment was in fact {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: WI
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 have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between XXXX XXXX, XXXX, and XXXX I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX  Studies which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, XXXX has refused to allow me to consolidate my loans and has reported over XXXX loans which I am confused about why there was ever more than XXXX lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming XXXX   on my XXXX just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX  my XXXX and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until XXXX or something while they review and yet, XXXX hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.

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 2018-01-27
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: Old information reappears or never goes away

Complaint:
I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But XXXX  employees are to rude

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To : The Consumer Financial Protection Bureau, I had an account with First Financial Bank ending in XXXX that experienced ACH Fraud for an amount of {$3400.00} on XX/XX/XXXX. On XX/XX/XXXX I received a provisional credit in the amount of {$3400.00}. ( The {$4.00} was an error by First Financial Bank and is negligible and not part of this complaint, but I wanted to explain the discrepancy within the transaction history on the provided statements ) The provisional credit was credited to my account ending in XXXX for {$3400.00}, then that amount was immediately debited and credited into my new account ending in XXXX on XX/XX/XXXX. The new account was opened in response to the fraud. Everything was fine and my account was eventually closed in XX/XX/XXXX and I no longer had a relationship with First Financial Bank. Then on XX/XX/XXXX I received a call from XXXX XXXX of First Financial Bank, she threatened legal action if I do not pay this amount. I was shocked to hear about an ACH dispute that occurred over SIX months ago. Therefore FFB reopened my account without my permission and put a negative balance on my account. This is all after the account was closed with a XXXX balance and no outstanding items in XX/XX/XXXX. 

1. What is the point of closing an account? 
2. Why am I held responsible for an ACH dispute claim that falls outside of the ACH dispute timelines? 
3. There is also a {$2000.00} check that I cashed that shows no where on my statements ( which are attached ) and I am being told that the check bounced. This also occurred on my closed ( and unfairly reopened account ending in XXXX ) 4. I feel harassed and that this is exactly why the CFPB is put into place. FFB can not call me and demand restitution until a prosecutor has reviewed the case.

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 2021-11-11
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
BBVA now PNC was under valuing housing/ properties in my minority neighborhood by ~30 %. That lead to underfunding and unfair lending practices. 

This happened around XX/XX/XXXX 2021. The property valuation by the bank was around {$210000.00} and only weeks later it sold for {$290000.00} and appraisal by the VA. I really this is practice need to be looked at cfpb. All people should get fair lending based on the accurate assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions 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 writing you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with a similar name to mine filed bankruptcy in the Federal District of North Carolina, and it appeared on my credit report. Through our dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureaus any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately or I will start charging XXXX XXXX dollars a month for pain and suffering.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXX filed Case Number : XXXX This account is inaccurate. Please delete at once. 

Transunion. 
1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.

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 2021-07-14
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: Information belongs to someone else

Complaint:
I had an account with this company. My account with capital one bank what is a credit card account that I opened in XX/XX/XXXX of XXXX. The account was in good standing for a long time and had a minimal balance. Then in XXXX I was involved in a major motor vehicle accident and around that time My Account Balance had grown excessively all the while I was in the hospital for over a month in a coma. We found out the charges were current even during that time. Which was in XXXX XXXX and part of XX/XX/XXXX. I attempted to relay this information to capital one bank and they never took it serious and subsequently allowed my account to remain in a negative unpaid withstanding. Later they sold my dad to XXXX XXXX XXXX and have never allowed me the opportunity to square this up with them so that my credit would not be hurt by this negative balance. I would appreciate some intervention and Ive already talk to XXXX XXXX XXXX they said they will terminate is dead and basically get rid of it the way it shouldve been done yours back yes I did this so Im doing it I appreciate any help you guys give. Capital one bank account # XXXX

Company response to consumer: Closed with explanation