BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In XXXX of 2016, I discovered a public record of bankruptcy on my Experian report. I contacted the XXXX Bankruptcy Court via certified mail twice ( letters received and signed for by court XX/XX/XXXX16 and XX/XX/XXXX16 ) requesting verification of this account with documentation bearing my signature.Twice, the court failed to provide such proof. In addition, my Experian report never showed the item marked as disputed. 
on XX/XX/XXXX16, I sent via certified mail ( signed for by Experian on XX/XX/XXXX16 ) a request for removal of the item in light of the courts failure to provide signature proof or mark the item as disputed. Experian replied that as of XX/XX/XXXX16, the record had been verified and and would remain on my report. The record was not marked as disputed and Experian failed to provide documentation bearing my signature. An employee finding my name of a third party data mining database is not verification.

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: No notice of investigation status/result

Complaint:
I sent a letter to Credit Bureau certified XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from XXXX and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To Whom It May Concern : I received an alert by the Experian XXXX XXXX XXXX about an increase of the credit limit of a XXXX Card associated with me from $ 16k to $ 20k. While I am the holder of a XXXX Credit Card, branded " XXXX XXXX '', this card has a different limit ( $ 7k ). Moreover, this limit was not changed recently. 
I therefore conclude that XXXX XXXX is reporting incorrect information against my credit file. I demanded correction of the incorrect data reported against me from XXXX in writing, postmarked XXXX/XXXX/15. My communication to XXXX is attached. 
Thanks much for your assistance in this matter -- Kind regardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am complaining about experian credit reporting agency. I have been disputing incorrect information on my credit report with them. Now today I tried to re-dispute the same incorrect information and the system would not allow me to do so. A message came up after I put the items in the cart telling me I have already disputed this information and they will not re-dispute nor re-investigate the incorrect informaiton. I tried to add a personal statement to each one and I was not allowed to do that either. I have complained to the XXXX as well as experian will not allow me to re-dispute incorrect information. To be very specific and not to delay in processing my complaint. The following errors are reporting on my experian credit report : XXXX XXXX : was never paid late. I contacted XXXX at XXXX XXXX and left several messages and never received a return phone call in regards to this matter. XXXX ext : XXXX ... ..XXXX is reporting XXXX seperate loans. This is wrong I only had XXXX loan with them not XXXX ... ..XXXX credit card : never paid late ... .XXXX/ account paid in full before they sent this over to collection. It should have never been sent over to collection in the first place as I paid this account in full. XXXX keeps telling me I was to pay the XXXX and not XXXX directly. Regardless they received the money from me because it was the same account number.

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 2015-08-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!

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: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit report from Experian, XXXX and XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2016 ; no response. Due to the lack of communication, I then contacting Experian, XXXX and XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

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 2016-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2015 I submitted a fraud claim with Experian they removed some items but not all of them. I was instructed to obtain a police report which i filed on XXXX XXXX, 2015 so I sent that over to them. Now I still have XXXX accounts that they will not remove that were listed on the police report. This is completely frustrating because XXXX and XXXX has already reviewed the info and removed the accounts but Experian wont help me become a better person. Too may hours and time wasted for no reason! I want the following accounts blocked from my credit report immediately please. XXXX. My report number is XXXX Thank you so much!

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 2015-07-07
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Residential Credit Solutions Inc took over the servicing of our loan from XXXX on XXXX/XXXX/15. They are overwhelming us with mail. We are on the unemployment program which they acknowledge but still send notice threatening us almost daily which i do not think is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank applies over draft fee 's on my account, based on the available account balance. They calculate the available account balance by subtracting my " Debit Card Authorizations '' from my actual account balance. 

" Debit Card Authorizations '' are defined below. 
" When you use your debit card as credit, and authorize payment without using your PIN, the final charge will be submitted by the merchant and reflected in your Account Balance once complete. Meanwhile, these transactions appear as Authorization Pending in your pending transactions list. 

Some authorizations may not be shown between XXXX and XXXX Central Time due to processing. " So this means they are charging me overdraft fee 's on pending transactions. These pending transactions have not completed and been paid yet. They subtract my pending transactions from my balance but not add my pending deposits until they have fully processed. 

I think if they are going to count my pending withdraws against my balance they should also count my pending deposits against my balance as well. 

Thanks, 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 2015-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Hello. I started my application for a HELOC ( home equity line of credit ) on XXXX/XXXX/16 and provided all necessary documents in a highly timely fashion as soon as requested ( usually in the same day if not within the week at the latest ). The application process dragged on such that I was told verbally that this was going in circles on XXXX/XXXX/16. I was completely misled as I was told by the senior loan officer and bank manager personally that the HELOC would be secured by end of XXXX 2016 at the latest.

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 2016-05-31
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
over the past 1 year a debt collector called about a XXXX dollar fee for a medical dev ice on my husbands XXXX. I told the company to pick it up before because it did not work properly anyway. At the time the man who called cussed me out, yelled at me, threaten me. He said awful things. My husband suffered a XXXX in XX/XX/XXXX.I was taking care of him full time .With no help. I have no family. He is also a veteran and now he is XXXX. Mind you this bill was from XXXX. In XXXX when this man did this he probably called 50 times. Than after about4 months another man started calling from XXXX XXXX. He was trying to collect and said it was handed to him and he was with a law office. I told him to quit calling me. Well he did not stop. He plays the nice guy. I told him I was not paying and to sue us. I also told him my husband is almost XXXX and has a brain disorder leave us alone. He wanted the machine back but medicare paid for that i found out. Please do something for us. I have a husband ill and am XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.

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 2017-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Dear Sir or Madam, I added a new credit card, the XXXX credit card for my recurrent payment at {$59.00} for my XXXX XXXX bill. Somehow, the old credit card, the Capital One Quicksilver Card still charged me for {$59.00} for XXXX, after talked to the customer service, Capital One credited me {$59.00} on XX/XX/XXXX and XX/XX/XXXX. I had no clue why they had credited me twice. But XXXX billed me at {$110.00} on XXXX ( $ XXXX $ XXXX {$110.00} ), I paid this {$110.00} with XXXX XXXX XXXX I think I cleared all the money I 've received from credit on XX/XX/XXXX and XX/XX/XXXX but somehow Capital one re-billed me at {$59.00} again on XX/XX/XXXX, but I already cleared this payment with XXXX. I 've called Capital One customer service, but they said this case is closed. how can Capital one re-bill me " another {$59.00} '' for XXXX? I explained to the Capital One customer service, they said because I have to pay them back the money credited to me, but the thing is I 've already paid to XXXX with XXXX card. I made the phone call to Capital One customer servie today XX/XX/XXXX, XXXX and talked to the customer service and he transferred me to the supervisor, his name is XXXX, the ID is XXXX. He wanted me to talk to XXXX or XXXX, I keep explaining to him, I Paid this bill already but Capital One still wants to bill me and I can not dispute this {$59.00}. Therefore I only can make the complaint to BCFP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX account reporting late on XXXX and XXXX 2015 when account was never past due.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Re : Trans Union continued reporting inaccurately XXXX XXXX Mortgage Installation Accounts XXXX and XXXX either closed or derogatory. 
Notwithstanding Trans Union 's reply to the CFPB case number XXXX of XXXX, 2016, Trans Union has failed to update the records to reflect correctly that XXXX account still open, current and paid as agreed. 
This is my final attempt to kindly request that they correct the information prior last resort of taking legal actions, as in addition ; I have attempts to call Trans Union to resolve said, but was consistently transferred to a special " supervisors team '' who are rude and disconnect the calls or told that the system is under maintenance ''. This clearly leads me to conclude that my file has been flagged in retaliation of the complaints submitted to the Consumer Financial Protection Bureau.

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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a letter to Transunion in regards to unverified and unauthorized inquiries that they are reporting on my credit report. They have failed to remove these erroneous inquiries from my report that are dating back to XX/XX/2017. I've also tried to call via phone to explain that these inquiries where impermissible and I asked that they DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

I got a letter in response to this as if i asked for inquiry explanation. 

They respond via mail " Ref : Explanation of the Inquiries on your Credit Report '' This isn't a through investigation of the issue. I didn't ask for explanation of Inquiries.

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 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX XXXX XXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX at with a approved loan from my Bank, XXXX XXXX Bank in the amount amount of {$25000.00}. Approved on XXXX XXXX XXXX at XXXX XXXX. 
The vehicle I was interested in purchasing was a XXXX XXXX XXXX Transit for {$23000.00}. And I stated I only wanted to use XXXX XXXX for financing. 
Several months later I checked my credit report and was shocked and appalled to see Multiple Inquiries from XXXX XXXX XXXX. 
I am requesting the removal of the XXXX Unauthorized Inquiries listed below From all XXXX credit reporting agencies. 
I did not Consent to the XXXX Inquiries listed below. 
Thank you in advance. 

Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXXO XXXX XXXX XXXX XXXX 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 2015-12-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan. 
G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY 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 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a payday loan from Big Picture Loans. I was told that I would be paying {$280.00} in fees with the {$800.00} I borrowed. I agreed to those terms. I was told they were having a problem with sending me the paperwork electronically. 

I thought something was strange when an extra payment was taken out but thought maybe I made a mistake on when the first payment was made. When I received a message stating they were going to take another payment, I checked my account an realized they had already taken too much. I went to their website ( https : //www.bigpictureloans.com ) and was able to see the loan document ( attached ). They 're attempting to charge me {$6000.00} for an {$800.00} loan! I 'm a reasonable person and there is no way I would have agreed to that!

Company response to consumer: Closed with explanation