BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: U.S. BANCORP
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have submitted documentation multiple times to US Bank issued XXXX XXXX Visa regarding a legal name change for my protection from a XXXX and identity theft issue. Documentation has included a copy of the court document, drivers license, and social security card. XXXX Visa has refused to process the documentation multiple times, and in doing so places me at risk of being discovered by my XXXX. I have offered to go to a local US Bank branch to provide the documentation but HD Visa refuses to work with US Bank even though they issue the credit card. Every time I send in documentation, they force me to wait 20 days to " review '' the documentation, and then reject it anyways. I am at the point that I have a meeting with an attorney to see how to continue to resolve this 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 2016-09-15
Company: Medical Data Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection company who stated that did not own debt but was trying to collect on it. sent certified letters to hospital and collection company to validate. hospital did not respond and collection company said I was not entitled to this information. Collection company sent computer generated forms. During my process of trying to get validation collection company after being notified continued to attempt to collect and reported adverse information to credit agencies damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CarMax, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2015 I went to the Car Max dealership looking to buy a car. I purchased a XXXX. The sticker price on the car was {$13000.00}. The interest rate was 8.95 %, which I felt was way too high. Also, the price of the car I feel was very high. Amount financed was {$16000.00}. Total of payments was {$21000.00}. Financed for 72 months at {$290.00} per month. Also, put {$500.00} down and purchased a warranty of {$1300.00}. I am a senior citizen with only {$1400.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was helping a friend with an auto transmission repair at XXXX XXXX they approved my financing at Personal finance here in XXXX Indiana they did not repair the car correctly they filed for bankruptcy I was out over XXXX on the loan personal fince manager said he would make it right I was appaulled they took XXXX off as a write off and all my credit reports show I was XXXX payments late that is totally wrong only had a 12 month loan for this transaction this was very unfair on there part they have had many complaints against them over the years. Thank You 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 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I asked Santander Consumer USA XX/XX/2020 for a differment for 2 month due to the Corona Virus and they never sent me email I needed to fill out and denied me and reported me to credit bureau for not paying 2 month. I tried on 4 attempts then I read online i maybe part of a class action law suit filed by Attorny General office. A XXXX XXXX dollar preditorie lending suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute with Experian on XX/XX/XXXX as of today XX/XX/XXXX I have not received no answer at all. According to FCRA if a dispute takes more than 30 days it must be remove. Attach to this dispute I am attaching the letter I sent them and copy of my ID and SS card to prove my identity thx.

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 2015-10-09
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Other

Complaint:
U.S. Bank reports my credit card account as OPEN to credit reporting agencies, although it has been closed for the long time. I have contacted USB multiple times in the last 2 months and disputed the status XXXX. Each time USB representatives confirm that the account is in the CLOSED status. As a matter of fact, I have a letter from USB, dated XX/XX/2015, confirming that the account is CLOSED. But USB continues to be reported as OPEN.That dramatically brings down my credit score. I have disputed this account with CFPB before and USB responded by asking me for my identifying information ( which, obviously, does not address the issue whatsoever ). Because I have not received any resolution, and I have called CFPB today to see what I should do, I have been advised to refile a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019, I submitted a request for verification of bankruptcy regarding bankruptcy that is on my credit report. The request for verification was sent via certified mail with a delivery receipt and was received on XX/XX/2019, as can be seen in the attached scan. I waited the 15-days for a response, as stated in the FCRA, with no response from the credit bureau being provided. On XX/XX/2019, I sent another certified letter with a delivery receipt, explaining that I have not received communication back regarding my request for verification of the bankruptcy that is on my account and expressed the need to have the bankruptcy deleted as it is negatively impacting my financial status. The most recent letter was received on XX/XX/2019. As of today, I have not heard anything back specifically addressing the verification of the bankruptcy that is on my account. Today is XX/XX/2019, and it has been over 30-days since the initial letter was received.

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 2022-08-25
Company: EQUIFAX, INC.
State: FL
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 displayed on all XXXX Credit Bureaus of {$4100.00} for XXXX XXXX XXXX Account # XXXX is incorrect, balance is {$0.00}. 

In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. 

No balance is owed, {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CarMax, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I purschased a car from Carmax back in 2013 and have not even had the vehicle over 24 months and the transmissioon has been replaced twice by XXXX which carmax is contracted with and transmission was replaced again 3 months later and i 'm still having technical difficulties with the vehicle the transmission still signaling transmission hot idle engine, however I believe Carmax may have sold me a bad vehicle when i purschased the vehicle it had about XXXX miles and now well under XXXX again the vehicle should not have given me major problem in so little time, i believe i was leased a bad vehicle and would like a replacement car or refunded some of my money back for dealing with the issue and i do n't want to move forward with the same problem after it reached the maxium mileage and not covered under warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i modified my loan around XXXX  and now the bank is telling me that after XXXX years i will have a balance of XXXX XXXX, i bough the house for XXXX XXXX and been paying this house for XXXX  years and i still have a balance of 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 2020-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a settlement amount to pay this loan off. I also paid to have it removed from my credit report with the letter they provided me stating it was paid and has a XXXX  balance. It was removed and Portfolio put it back on my repot for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX, Equifax, and XXXX refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do XXXX, Equifax, and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE HAD THIS PROBLEM FOR MANY YEARS WITH THIS COMPANY, THIS IS FROM XX/XX/XXXX, LAST YEAR THEY REPORTED THIS DEBT AS AS LATE IN XXXX, IT IS FROM XXXX, JUST LAST MONTH THEY REPORTED THIS AS LATE ON MY CREDIT REPORT DROPPING MY SCORE 8 POINTS, THIS IS A MEDICAL DEBT I HAVE INFORMED THEY THAT I AM AN XXXX VETERAN, THAT IT IS TO BE BILLED TO MY VETERANS AFFAIRS OFFICE AS, THEY ARE RESPONSIBLE FOR PAYING ALL DEBTS FOR HOSPITLIZATION, ALSO I HAVE INFORMED THEM THAT I AM XXXX XXXX  XXXX XXXX VETERAN I RECIVE SOCIAL SECURITY AND VETERAN BENEFITS, I HAVE INFORMED THEM, AND THEY SAID IT WAS ON MY CREDIT I AM ATTACHING DOCUMENTION SHOWING THAT THIS DEBT IS FROM OLD, THAT THEY HAVE CONTIONOUSLY REPORTED LATE PAYMENTS, THAT IT HAS DROPPED MY CREDIT SCORE THAT THIS IS UNFAIR, YOU CAN SEE VIA MY UPLOADS, WHEN I MADE A COMPLAINT WITH THE CFBP, THE FIRST TIME IN XXXX OF XXXX THEY SAID THE DEBT WAS FROM XXXX, IMMEDIATLEY IN XXXX  THEY REPORTEDED IT LATE EVERY MONTH, TIL CURRENT DATE CHANGING THE DATE IT WILL DROP FROM MY CREDIT REPORT, FROM XXXX XXXX XXXX THIS IS UNFAIR, AND ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have requested my credit report many times from TransUnion. I have sent them everything that they need but they refuse to update my address and send me my credit report. So I am writing this complaint in an effort to obtain 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 non-monetary relief
Consumer complaint received 2020-06-18
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, Re : XXXX Hello, In late XXXX, my wife and I reached out to Guaranteed Rate to refinance our current house, as rates were great and want to take an advantage of that. Initial conversation were ok, as I quickly collected all required documents to start this process, and within a few days we had everything ready. At that time I was advise that this should not take long. On XX/XX/XXXX we got an email from Guaranteed Rate that our loan was conditionally approved, and conditions were : subject to accept by Guaranteed Rate, and for them to obtain clear title report. With only two small items we were further advise that we will close the loan by XX/XX/XXXX, felt long time but I accepted that information. Around XX/XX/XXXX I have emailed Guaranteed Rate and followed up with a phone call asking for status. Again around XX/XX/XXXX I did the same, email and phone call, both time leaving messages to call me back, still no respond from Guaranteed Rate. Now almost every few days I do the same with no response .... 






People involved : XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ATTORNEY GENERAL-XXXX Other XXXX XXXX, XXXX Open - 120-149 Days Late {$8000.00} XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 1 Missed Payment {$7600.00} XXXX XXXX XXXX XXXX, XXXX Closed {$5200.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$4100.00} XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$3000.00} Equifax XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$2500.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed 1 Missed Payment {$1400.00} Equifax XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1300.00} Equifax XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 7 Missed Payments {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: First National Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX org now have first national collection noticed on my credit report called national collect told me the dept was for service at a XXXX mass. address i told them i never lived in XXXX they told me to go file with police after police wanted a copy of contract i have been trying to get a signed contract for over 8 months nat collect and XXXX have not sent me a copy ihave tried with XXXX letters to them each XXXX deleted from my credit report but the other XXXX have not but after 6 months they did remove the false address in XXXX but they wont remove the collection of {$110.00} i asked them to send me any info how did they verify the bad dept send me a copy of a contract never any response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: GA
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 pulled my credit and there is an account on my credit report that doesnt belong to me. Please investigate these accounts and remove them. Please send updated report after inquiries and accounts are deleted.

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 pulled my credit and there is an account on my credit report that doesnt belong to me. Please investigate these accounts and remove them. Please send updated report after inquiries and accounts are deleted.

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 2016-07-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
Recently, received my credit report and found unwanted Hard inquiries on there permitted by Experian, despite the fact I have asked for a valid investigation or having them removed under the FCRA law. Experian never proved a proper re-investigation by having these companies certify they had a valid reason to access my 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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I, XXXX XXXX have POA over my Sister, XXXX XXXX since XX/XX/XXXX who is currently in a XXXX XXXX. I am trying to get XXXX for her. One of the requirement is copy of her bank statements for the last five years. I have contacted Capital One Bank on three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting this information. 
On XX/XX/XXXX and XX/XX/XXXX I was told it would take 5 business days to mail this information to me. On XXXX was told by an employee ( XXXX ) it would take 15 business days. This information is needed to complete the XXXX application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
1. XX/XX/XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged XX/XX/XXXX. all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XX/XX/XXXX, was not removed until XX/XX/XXXX. 
2. I submitted a letter to all XXXX agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.

Company response to consumer: Closed with explanation