BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 wrote and had notarized a signed letter and sent it via certified mail through the USPS to Transunion. The letter was received by Transunion on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. One of these unverifiable accounts were deleted and remain on my credit report.

The letter also requested incorrect addresses be deleted. Some of the requested revisions were performed but on further review there are a total of four incorrect addresses that need to be deleted.

The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my past employers per my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Transunion did mail me a response letter to the verification and demand letter I sent them.

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 2019-05-24
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2017 I was at XXXX. A XXXX XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!

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 2019-10-16
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to 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 2019-10-16
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: AES/PHEAA
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:
I submitted a complaint about this company in XXXX. They resolved it, but now the same thing is happening again. This is the THIRD time FedLoan 's misreporting has resulted in adverse accounts on my credit reports and a massive drop of my credit score. Each time they claim they are doing nothing wrong, but clearly there's something wrong with my accounts in their system. I wonder whether they need to wipe my accounts and re-establish them. In any case, my husband and I are closing on our first home in a month, and FedLoan 's negligence is materially harming our chances of a smooth closing. 

In XX/XX/2018 I noticed that FedLoan had incorrectly reported multiple months of delinquent payments. I found this because my credit score suddenly took a massive hit, and credit reports confirmed it was incorrect reporting from FedLoan. I disputed it with FedLoan and with all three credit reporting bureaus. The bureaus all found in my favor and corrected my reports ; meanwhile, FedLoan agreed I had no delinquent payments. 

The same thing happened in XXXX. 

Now FedLoan is YET AGAIN incorrectly reporting delinquent payments. I called them, and all they told me is that my accounts were paid in full. They pointed a finger at the credit bureaus.

I need this resolved completely -- FedLoan to stop misreporting and my credit scores and reports to be updated and completely accurate -- absolutely as soon as possible. My next step, if this happens again, will have to be legal action, and I'd prefer to not go that route.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: Atlanticus Services Corporation
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ Fortiva XXXX XXXX XXXX XXXX Georgia, and XXXX XXXX XXXX XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week XXXX began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$800.00} XXXX  XXXX XXXX {$120.00}

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 2019-10-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I, XXXX XXXX received yet another telephone call from PNC Bank regarding an Student Spend Account that was opened for my son when he was approximately XXXX-years-old. Once my son turned XXXX-years-old, he and I both visited the PNC Branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My son ( XXXX ) and I, XXXX XXXX completed the required documents presented to us by the PNC Bank representative to close the Spend/Student Account and to Remove my name ( XXXX XXXX ) from the account. 

We left the PNC Bank thinking that the Account had in fact been closed after both, my son and I signed all the documents presented to us. This attempt to closed the account occurred approximately one and a half ( 1 1/2 ) years ago in the earlier part of XXXX. The account was never closed, and PNC Bank continues to harass me, XXXX XXXX, when my son overdrafts this account that should have been closed almost 2 solid years ago. Initially PNC indicated that the Student Account would not accrue late fees. Currently, the account is nearly {$600.00} over drafted due to late fees and all sorts of other charges. 

I have made multiple visits to PNC Bank and I have talked to PNC Bank Managers, and all PNC Bank Representative continually tell me that both I and my son need to visit the Bank a second time because the PNC Bank Representative that initially process the paperwork to Remove my name from the Account misplaced the documents. This is nothing more that a ruse for PNC Bank to illegally charge my son Overdraft fees. Opposed to closing the account, PNC allows the account to stay open simply to collect illegal overdraft fees. 

Please assist me in closing the Student Account and get me name Removed once and for all from my son 's Student " Spend '' Bank Account that was not supposed to be charged any late fees. 


Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: M&T BANK CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
My complaint is with M & T and their lack of communication and disclosure.. Hudson City Bank and M & T Bank , merged XX/XX/XXXX ... .to date, I have not received ANY information from them as to the process of which determines when I should receive my frozen assets currently with XXXX XXXX XXXX . XX/XX/XXXX I previously submitted a complaint ID # XXXX XX/XX/XXXX Received a written response from M & T Bank indicating they have sent out a communication letter dated XX/XX/XXXX ( they did not send me a copy of that letter, but only provided the date ). I never received this so called letter. I asked other former Hudson City employees and they did not receive this letter as well. The letter stated that M & T had filed an application for termination to the IRS ( dates were not given ). Once the termination has been approved by the IRS, benefits will be distributed as soon as administratively possible. I have enclosed all documents pertaining to my complaint, which was sent to me dated XX/XX/XXXX. ( as per the letter, if I had questions, I can reach out to XXXX XXXX @ XXXX I called XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX with no voicemail to leave messages, the phone continuously rang and rang. I called the IRS, XXXX XXXX, ( Special Services ) XXXX. he said that I have to call M & T Bank as he shows the application was approved and they are the party to release the funds in XX/XX/XXXX. I thought to call XXXX XXXX XXXX XXXX, to check to see if the funds have been released without me being advised. The woman I spoke to explained that it is still frozen, and M & T should be the party to release them. There are several hundreds of former Hudson City Bank  employees awaiting the same. This is utterly ridiculous that the left hand does n't know what the right hand is doing??? It has been almost a complete 19 months since the M & T vs. Hudson City merge and several hundreds of us do not have a clue as to when we may expect M & T to release our money!!!!!! I am requesting CFPB mediate, as this has fraud written all over this. M & T must be out of compliance as more than 20 people I have spoken with have not received any information regarding our entitled money.
I can be emailed : 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 2019-10-16
Company: Experian Information Solutions Inc.
State: OH
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 Experian on several occasions to have unverified accounts removed from my credit report. The accounts were blocked in the past then later added back to my report. I have written letters to Experian asking them to verify the accounts according to the FCRA 609 ( a ). So far the accounts have not been removed from my report or verified. FCRA 609 ( a ) says you are required by federal law to verify through the physical verification of the original signed consumer contract. This has not been done.

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 2019-05-24
Company: ID Analytics, Inc.
State: NE
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:
I just received a notice in the mail today ( XX/XX/XXXX ), about being denied credit for a car loan. On the back it states which companies they pulled my credit from one is XXXX and one is SageStream LLC. I have never heard of sagestream and their score is way low. There are only 3 credit bureaus and they are not one of them so why are they giving out information about credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Information belongs to someone else

Complaint:
I've been disputed this same fraud auto loan collection account since it was brought to my attention in XX/XX/2020. The bureaus conducted their investigation and it was removed from my report after the investigation was completed. The account started reporting again 2 weeks after it was removed. Per my understanding, if an account is removed for fraud, it is blocked from reappearing on the report again and yet here it is. Furthermore, I've been redisputing it and the bureaus are taking no action to restart their investigation let alone look at the previous investigation notes. I shall make no further pleas. Next step will be a lawsuit.

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 2019-10-16
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: Information belongs to someone else

Complaint:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCR A 15 USC 168i ( 5 ) (  A ), you have  30  to respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per  15 USC 168i6Biii,  nor complied within the statutory period, I assume that you have not been able to  re  verify the information I have disputed. Therefore, you must comply with the provision  15USC section 168i  ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at the address stated, I will pursue my legal rights with an attorney unde r 15 USC section 1681n or 1681o  " Civil liability for willful noncompliance. '' Your credit bureau may be liable for  :   1.  actual damaged I sustained by your failure to delete items  2.  punitive damages as the court  may  allow  3.  costs of the court action, plus attorney 's fees

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 2017-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX, USAA issued me a Form XXXX in the amount of {$2400.00}, in which they relinquished their rights to collect on a default loan against a XXXX XXXX XXXX. In XX/XX/XXXX, I paid taxes on the Form XXXX. When I contact USAA to request the title for the vehicle I was told that, even though they voluntarily give up the right to collect against the loan, they would not send me the title. USAA claims they still have a interest in the vehicle, even though I 've paid the taxes and that a new Form XXXX would not be amended even if I paid any amount towards the vehicle. <P/>I feel that the lien on the title should be released and issued to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was XXXX in XX/XX/XXXX in XXXX XXXX XXXX and XXXX in XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. During that incarceration I was taken from the XXXX to XXXX XXXX XXXX approximately 4 times under my duress. I was transported from the XXXX in restraints under the supervision of armed guards. I tried to refuse but was threatened with punitive action including being forcefully restrained and carried by officers and solitary confinement. I did not choose to go to this hospital for treatment, I was forced. Records will indicate that I was a " client '' in XXXX XXXX XXXX XXXX during this time frame. As such, I was a XXXX of the State and these expenses fall within the responsibility of XXXX XXXX XXXX. These reports were lodged against my credit report without me having ever received any communication from any agency. When I learned of the reports I contacted XXXX XXXX, they informed me that they had contacted XXXX XXXX XXXX and XXXX had denied I was a client during that time frame. I contacted my Parole Officer Mr. XXXX, he contacted XXXX XXXX and informed them that I was in XXXX XXXX under a Blue Warrant he issued and sent them documents confirming it. XXXX claims that XXXX has recanted and now admit that I was a client during that frame and accepted responsibility. XXXX XXXX records now reflect that my ballance is {$0.00}. However, the reports were never removed from my credit. I disputed claims through XXXX with no relief. I contacted United Revenue Corp. who is the company listed as the reporting agency, and explained the situation to them. I gave them all the pertinent information. United Revenue contacted me back after their investigation and informed me that they finally got XXXX to admit that they were responsible for the financial obligation, however due to the time lapsed between the initial billing date and the time United Revenue contacted XXXX, XXXX would probably not pay the bill. I was further informed that if XXXX did not pay the bill United Revenue would hold me responsible and maintain action in not removing the report from my credit report. 

I am not responsible for these financial obligations, XXXX XXXX XXXX is, United Revenue should not be able to hold me accountable and issue punitive sanctions through inflating my credit report, especially after XXXX accepted responsibility to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Experian claims that they have " verified '' the inaccurate account on my file when I have sent sufficient written proof that the item is no longer valid that was sent to me DIRECTLY from the debtor. They have refused to remove it and continue to say that it has been verified as accurate. They are willfully violating the FCRA and should be fined accordingly. 

I recommend the HIGHEST MAXIMUM FINE for this violating FCRA SECTION 616 & SECTION 617 to  Experian, and that the the unverified items be deleted 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