BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank advertises their XXXX XXXX card with the annual free night certificate. I never received it and even after calling I still have not received it. I completed the requirement and was verified on the phone with customer service representative. I was given a reference number of the call on XXXX/XXXX/2016 : " XXXX ''. 
This is what they advertise : XXXX XXXX Visa ( R ) Reward Card Free Night E-Certificate ( " E-Cert '' ) is available per Account if you charged US {$10000.00} or more in Net Purchases ( purchases minus credits and returns ) on the Account during the 12-month statement cycle period immediately prior to the annual anniversary of your Account opening date.

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 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax, Trans Union and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

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 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a public record ( tax lien ) that I received letters from the state that they lien was paid and told to forward said letter to the CRAs for withdrawal from my credit report. Instead, I received a letter saying that it would not be removed. In addition to the letter, another lien that never existed populated onto 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 2015-06-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After seeing my credit report this week I discovered a false delinquency. On XXXX XXXX XXXX I signed. 13 month lease with XXXX XXXX XXXX. 
After being told my XXXX job was being eliminated in XX/XX/XXXX my landlord had me sign a release from the final 3 months of my lease. 
I moved out of state on XXXX XXXX XXXX leaving my forwarding address in XXXX. Since that time XXXX XXXX XXXX NEVER contacted me about any delinquent charges. On my credit report they charged me for XXXX and XXXX rent plus {$900.00} in damages. 
I have made XXXX of attempts to contact them to discuss the situation. I havre been ignored. 
I am seeking a legitimate and fair way to resolve the situation. Can you help? 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
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 previously dispute so many creditors on my credit report .... 

I would love for all of the fraudulent student loan reports to be moved. 

please contact me at XXXXXXXXXXXX to go over each one ...

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 2015-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1 ) XXXX, XXXX : TransUnion account CLOSED on XXXX XXXX but showing Late payments to present time. Error is affecting my credit! 
2 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. Error is affecting my credit! 
3 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. 
sTransUnion said they had in open investigation and it would be resolved on XX/XX/XXXX. Well it 's Monday XX/XX/XXXX and nothing has been done the error 's still appear on my credit report. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EMPIRE MEDIATION SERVICES LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been repeatedly contacted by a company called Empire Mediation Services, but only refer to themselves as EMS. Their initial call was to tell me that I had taken out a payday loan in XXXX XXXX that I did not pay back. I asked who the creditor of this loan is and was told XXXX XXXX. When I asked what city and state this company is located in I was told that they do n't know. I asked how this loan was taken out and was told online. After telling the company that I did not take out a loan they told me if I did n't do something today they would sue me. I was told that the creditor had direct deposited {$300.00} into my bank account in XXXX XXXX. I indicated to the company that I never had a loan like this and they have the wrong person. I was then told that they hoped I enjoy getting court papers and being sued. I indicated that I do want to go to court with them so this can be cleared up. I have had numerous calls from this company with the same debt. I have been told that they will be filing charges with the court for defrauding a financial institution and writing a bad check. I asked them to please move forward with this process as I want to go to court with them. I have been given different dates that I supposedly took out this loan, with their staff switching between dates in one phone call.I have been told on one occasion that when the creditor had tried to cash my check they found that my account was closed with my bank. When I said that I have had the same account for over a decade, the reason for the check not clearing was non sufficient funds. I asked what the date was for this and received yet another date. I have not received the verification of the debt and creditor as requested. I have also yet to receive any court documents or notice of a lawsuit being filed against me as I was told would happen. I have looked into this type of scam with the Michigan Attorney General 's office and feel that this company is perpetrating a fraud against me with the intent of getting money from me that I do not owe. I have also pulled copies of all of my bank statements from 2 years prior to the earliest date this company claimed and 2 years after the latest date this company claimed. There are no deposits from any loan company or any direct deposits other than my own paychecks or verified agencies such as the IRS. There are also no incidents of NSF in this time period as claimed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent this place a letter asking for them to stop harassing me because they have the wrong person. they went and put it on my report I guess because they think they have the right person that they can do that. I need it to stop

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was denied credit and I pulled my credit reports to find that I had 3 accounts in collections that appeared to be identity theft. I filed an identity theft claim and immediately began contacting the 3 collection agencies. The first two did not give me any run around regarding the affidavits however, Enhanced Recovery ( ERC XXXX first told me my wife that they would be deleting the account but on the XXXX of XXXX, my wife contacted them to get their affidavit sent again. She spoke with XXXX XXXX and he said the account would not be deleted and that she would have to file the affidavit. It is now the XXXX of XXXX and still no affidavit. My financial counselor called ERCand spoke with XXXX XXXX and he refused to send the affidavit out via email or fax. He said he would resend the affidavit via mail. 

I am trying to purchase a home and this incorrect collection account is standing in the way. 

The ERC account number is XXXX. The original lender is XXXX XXXX number of XXXX.

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 2015-07-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a dispute to Enhanced Recovery for a XXXX XXXX account. ERC responded to my CFPB complaint and stated they verified the account and mailed supporting documentation to me on XXXX/XXXX/15. I have yet receive such documentation. Without proper validation of this debt, this TL needs to be removed from all XXXX of my reports immediately. My next step will be the Attorney General 's office.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a XXXX payday loan from Castle Pay Day Loans. I was told it would be XXXX a month and it would be XXXX to pay it back. When they took my XXXX payment out of my account they charged me XXXX. I am on fixed income and this could have caused an overdraft if I had not seen it in time. When I contacted them they told me the XXXX was bi-weekly. They did not tell me that when I got the loan. And when i looked at the info on the website, they are showing that i will be paying them XXXX over a period of XXXX mos. It is showing XXXX pymts of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX,, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, and XXXX pymt of XXXX. I was never, never told it would take me XXXX months to pay this off and that it was going to cost me XXXX to borrow XXXX or I would never have borrowed it. When I called and asked them why they took out XXXX instead of XXXX, they told me that the XXXX was biweekly and that I had opted for monthly. Well, when I spoke with them they told me more than XXXX it would only be XXXX and if I wanted more taken out I should call 3 days before pymt due. So i did n't call because all i wanted them to take was the XXXX. They also said that i could pay it off for XXXX before my next due date of XXXX XXXX, 2015. So on top of the XXXX already given to them, they want me to still give them XXXX. That is totally unacceptable as well!!! I have also filed a complaint with BBB but wanted to file with you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Experian is reporting. The Federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Experian is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.

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 2016-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a hard inquiry reported on my Transunion credit report from XXXX XXXX XXXX XXXX. My children have savings accounts with this institution but I have no dealing or accounts with this bank.I have not, at any point, authorized any credit inquiry on my behalf from this institution.

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 2015-08-14
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a security freeze placed on my credit reports with all XXXX credit reporting agencies. When I need to thaw my credit reports I can go to the website of the agency, and using my personal information and a PIN that is assigned to me by that agency, I can temporarily unfreeze my credit so I can apply for credit when I need it. This has worked fine for me until the last XXXX times that I have tried to thaw my credit ( starting in XXXX 2015 ). Now XXXX of the agencies, Experian, will not allow me to thaw my credit online or through their automated phone system. They are requiring me to send to them via US Mail, copies of my driver license, Social Security Card and a current utility bill. This has turned the process of thawing my credit from a simple XXXX minute exercise into a seven day wait and a major inconvenience. I have been unable to contact anyone at Experian to help me resolve this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like to validate all of the debt showing for XXXX, as i do not believe this debt is mine. I have not recieved services for the places listed on the 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX  I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate

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 2016-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
how long does a late payment history remain on a credit? ... i have a acct on all my credit reports from all XXXX credit reporting agencies since 2003 ... NO ONE CAN TELL ME WHEN THE ACCT IS GOING TO BE REMOVED ... I THOUGHT A NEGATIVE ACCT. REAMINS ON YOUR CREDIT FROM THE DATE OF THE FIRST DELINQUENCY ... BUT EXPERIAN INFORMED ME ITS THE LAST DELINQUENCY ... PLEASE HELP THIS NEG. INFO IS RUINING MY CREDIT.I HAVE DISPUTED THE ACCT WITH ALL XXXX CREDIT REPORTING AGENCIES, AND MY CREDIT REPORT HAS REMAINED THE SAME WITH EVERY DISPUTE.THE ACCT IN QUESTION IS A STUDENT LOAN ACCT FROM 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 2022-04-22
Company: EQUIFAX, INC.
State: IN
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:
I filed XXXX  XXXX Bankruptcy on XX/XX/2022. XXXX XXXX was notified on XX/XX/2022, see attached document. Equifax was notified of my Bankruptcy filing by my dispute on XX/XX/2022, see attached document. Equifax failed to update both of my XXXX XXXX accounts to the accurate balance of {$0.00}, XXXX  XXXX date of XXXX, no latest prior to filing chapter, no past due, no 22 times of 90 days late and further failed to report the accurate history of the account. The account number itself is inaccurate as this was not my XXXX XXXX credit card account number. This is a FCRA violation as well as a violation of the automatic stay provided by Bankruptcy. On XX/XX/2022 Equifax sent me a letter that my dispute was processed and the information of charged off Credit card account, balance of {$13000.00}, with 1- 30 day late, 1-60 day late and 22- 90 days late was accurate ( this is NOT ACCURATE ). This is FCRA VIOLATION as Equifax had a copy of my bankruptcy petition which included both XXXX XXXX accounts, the credit card account and the personal loan account. Equifax failed to conduct a reasonable investigation of my dispute! Equifax has continued to report inaccurate information for both of my XXXX XXXX accounts since XX/XX/2022 all the way up to and including today XX/XX/2022. Since Equifax failed to conduct a reasonable investigation and has continued to report inaccurate information since XX/XX/2022, the XXXX XXXX credit card account should be deleted from my Equifax credit file or at the least, Equifax must report accurate information in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

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 2015-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian credit prepared report dated XX/XX/2015 have us filing Chapter XXXX Bankruptcy on XX/XX/2015 and that grievous error was made. We have NEVER filed for bankruptcy on XX/XX/2015.We have had our credit denied several times because of this report from XXXX XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX/ XXXX . Account Number : XXXX ... 
Account Name : XXXX XXXX XXXX Account Number : 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