BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never informed that negotiation was an option. I tried contacting them at least 8 times over a 2 month period and was never able to reach anyone ; when I left messages, no one contacted me back. I only received a first notice, then another bill labeled first notice, but never a final notice. Then suddenly I was being reported to collections. The collections letter mentioned nothing about a " grace period '' before it was reported to my credit report, but on the phone, after informing the operator I can only afford to pay $ XXXX/month, at the very end of the conversation she informs me that I have until the XXXX of this month ( about 3 weeks ) to pay the full amount or else it goes on my credit report. Even if I am actively paying toward my balance, it will still be on my report. Nowhere in writing was this grace period stated. The communication has been evasive, misleading, and omitted details, and the operators were not only rude but also evasive and did not properly disclose the information until I dragged it out of her by asking repeatedly if there is anything else I need to know. If I had n't asked her that repeatedly, there is no way whatsoever that I would have known I could negotiate, that there was a mysterious " grace period '' that I had to pay off the full amount ( less than 1 month is not remotely enough time to be called a " grace period '' ), or that I will still be reported to collections even though I am actively paying off my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/XXXX, I called XXXX because I notices an entry from them on my credit history. I spoke to an agent and learned that there was still a balance on my account from when I moved out in XXXX. I paid the full amount and asked that I be sent confirmation of payment. After 60 days, I followed up, in XXXX and asked that a satisfaction of debt letter be sent to me. At that time, I was assured that the listing would be removed from my credit report. In XXXX, I pulled my credit histories and found that the listing was still on my account. I called them on XXXX and was assured again that the listing would be removed and that the delay had been caused by a merger with XXXX. I was also told that they are not the holders of the debt and should never have collected the debt from me in the first place. I argued, saying that, in fact, they gladly collected my money and assured me that they would remove the negative listing. Finally, I was told that they would have the mark removed. To date, XXXX is still listing a negative mark on my credit history despite 6 months of promises to remove it. I am complaining both to have this listing removed and because this kind of willful negligence of their reporting responsibilities is unacceptable and needlessly damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a personal and business checking account with US Bank back in 2013. I switched to a credit union and thought I had closed all my US Bank accounts. I had transferred last {$30.00} out of the business and put in personal since I rarely used the business. Unbeknownst to me, an automatic debit came out of the business account for {$21.00} from XXXX a month or so after I thought I closed it. I was never notified by USBank of overdraft. They proceeded to charge initial {$36.00} overdraft fee and {$25.00} overdraft on a weekly basis for 6 more weeks and then closed the account with another {$30.00} charge. This {$21.00} overdraft then turned into {$230.00}. I had not moved or changed address, phone or email, but never received notice of this overdraft and fees. Given it was closed quickly after it occurred and they wrote it off, it just sat on my record until I finally went to open a new checking account when I recently moved. I worked and banked XXXX since that overdraft occurred. I attempted to resolve with US Bank, but was advised to go to XXXX which sent me a report but now referred me here. I am not disputing the initial overdraft and perhaps the initial fee, but a few hundred dollars of fees piled on in six weeks without attempts to reach me are bit rediculous. I am not sure how to proceed at this point. I am not stuck with getting a special restricted bank account because of this item on my XXXX report which does not tell the whole story. I can not seem to get any help with US Bank to resolve since it is now written off. I would like to negotiate a lower amount to resolve it, but can not seem to get anyone to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a collection account from XXXX ( original creditor XXXX ) in the amount of {$84.00} ; I have never had any kind of XXXX from XXXX and, to my knowledge, do not owe this debt ; I disputed the account with all XXXX credit reporting agencies and the account was removed by XXXX and XXXX, but continues to be reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions 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:
Experian did not address ONE concern listed in the complaint ID XXXX. 

Experian, I am aware that you provided my private personal information without my consent to third parties. You've invaded my privacy in multiple ways. Please provide me with a copy of the documentation that gave you the right to give my information away to XXXX FIN and show me where I signed something with your corporation that gave you consent to do so. You have said repeatedly that the referenced company verified the information as accurate, well, send me ALL of the documentary evidence that they have provided you that made you come to that erroneous conclusion which is your responsibility to do so under the Fair Credit Reporting Act.

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 2018-05-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I asked Citibank N.A. to change the name on our checking account to the name of our trust. Approximately 10 days later, the money in our account was frozen, what they call blocked. It was blocked from XX/XX/XXXX until XX/XX/XXXX. During that time, we were not notified of the action that they took. On XX/XX/XXXX we deposited {$10000.00} into the account. We were not told at that time that our account was blocked. So, we could deposit money, yet withdraw nothing, nor were any checks paid by Citibank from our account. When I paid bills online, the payments were electronically confirmed, yet nothing was paid.Nor was any notice placed to notify me online, i.e. no messages to indicate the blocked status of our account. Subsequently, a check did clear the bank when submitted by a creditor for the second time on XX/XX/XXXX. None of the electronic payments I made during that period were made good. This, of course, caused problems such as late fees.

When I called the Citibank unit called " Know Your Customer '' I was told that our account was blocked because the local branch did not respond in time to questions regarding our Family Trust. We don't understand how this can be legal.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
I have sent letter to the credit bureaus and company and have yet to get any response. I would like the accounts attached in letter deleted asap from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
Experian is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX 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 2015-07-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for XX/XX/XXXX info then expanded to XX/XX/XXXX and XX/XX/XXXX ' or paperwork was originally requested to have acct # then expanded to acct # and physical signature. I currently have a high interest rate and it seems that the redundancy is simply defer and delay tactics by the bank to continue to get paid that high rate all while I absolutely do have need and qualification to modify. 
Thank you for your attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX ACCOUNT ON MY EQUIFAX REPORT SHOULD BE DELETED ITS BEEN SEVEN YEARS SINCE MY LAST PAYMENT THAT WAS ON XXXX 2009 WHEN I TURNED THE CAR BACK TO XXXX FOR EARLY TERMINATION OF MY LEASE THE OTHER XXXX CREDIT COMPANIES EXPERIAN AND TRANSUNION HAVE ALREADY DELETED XXXX BECAUSE IT HAVE BEEN SEVEN YEARS THAT PAST AND EQUIFAX IS REFUSING TO DELETE THIS ACCOUNT FROM MY CREDIT FILE I ATTCHAED A COPY OF MY EQUIFAX REPORT SHOWING XXXX AND THE DATE OF MY LAST PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been working with Equifax for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Equifax? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. Equifax also for some reason reports the account I have with XXXX XXXX as currently XXXX59 days, this is impossible since the account has a XXXX balance! XXXX isnt reporting this as past due so why is Equifax??? They keep telling me this has been verified with the company but it couldnt have if XXXX is reporting something completely different right???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had contacted eqyifax to remove an item placed twice. XXXX XXXX had purchesed account from XXXX and the amount XXXX states is incorrect XXXX and it should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my wallet was with all my property ; include my driver license, my social security card, my credit card. I had reported to the law enforcement. as I continue to say those charge that appear on my credit report are not belong to me I sent you the report you refused to make the necessary change according to law. if do n't think this not correct call them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several inaccuracies on my credit report. I have a asked for Debt to be validated and have not received proper validation.

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 2015-06-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am currently waiting on approval on a home mortgage. Everything was looking great and the process was almost through until we came to a snag. My credit report had to be pulled up again and it currently shows that I have XXXX late payments in XXXX, XXXX and XXXX. However, I called and spoke with Ally Financial personally and they assured me that there was not a late payment for XXXX since the payment is not due until the XXXX. I am asking that you please retract not only the XXXX late payment that is showing up, but also the XXXX and XXXX as well. I have been a long time customer with Ally Financial and have never missed a payment. The reason for this recent delay in payment is because I have had to make improvements on the house for the inspection to pass and loan to go through XXXX new roof costing {$2700.00} XXXX .Please consider this request. Owning my XXXX home at age XXXX has been a dream of mine. I hope you can help me with this. In order for that to happen my credit score has to come up and this is the only way it can happy. Thank you in advance for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX mastercard account in New York, opened XXXX XXXX. I did not open the account. Received the card in the mail on XXXX. Checked credit report with Trans Union and saw it was an open account. Called the issuing bank on XXXX and {$1400.00} had been charged to the account. Placed a Security Freeze with all XXXX credit reporting companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ALLY FINANCIAL INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.

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 2015-10-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have having trouble with Ally. They have called and harrassed me multiple times about my payment. Each time they call i explain to them the same situation. My ex and me are divorced and I travel for work. Also, that I am unable to log into my account online to make a payment or set up auto pay and I have requested them to help me multiple times. There solution is to pass me off to a third party payment call where i have to pay a fee for my convenience. They keep charging me late fees which is unacceptable when i have requested help. I have been harassed multiple times by them and each time i have stated the same thing. I do I have XXXX and sometimes i forget to cal, but when I make the same request over and over and it goes unanswered is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I paid {$5.00} [ XXXX card ] to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went into T-U website via XXXX for my FREE annual report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE rerport. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentioinally SCHEMED by T-U. I demand my FREE report accessible on-line ASAP.

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 2016-12-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a XXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. XXXX sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, XXXX reported to XXXX and Equifax a past due balance of {$1200.00}. I disputed with both credit bureaus, XXXX removed the information from my credit card promptly and Equifax told me to contact XXXX. I have contacted XXXX multiple times to no avail. The last communication was a phone call about a month ago and XXXX was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by XXXX to Equifax ( XXXX XXXX ). This is affecting my Equifax score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, TransUnion and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.

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 2015-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief