BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Months ago, I lost my credit caard and the account was closed. A new card was issued. Discover advised I overpaid the first card XXXX. They advised they would send me {$60.00} refund. It never arrived, so I called them. They said they will send me a new refund check. 

I was out of town, and upon return, finally I received the one check from Discover to XXXX XXXX XXXX for {$60.00} issued XX/XX/XXXX. routing XXXX check XXXX # XXXX in top right corner it states XXXX under corner states : XX/XX/XXXX I deposited the {$60.00} in my XXXX XXXX   account XXXX on XX/XX/XXXX the check was received by XXXX XXXX. 
On XX/XX/XXXX by US post gave me an envelope from XXXX XXXX  stating STOP PAYMENT Return reason : stop payment. Internal seq # XXXX Deposit date XX/XX/XXXX I phoned XX/XX/XXXX and three personnel answered, but the first couple were clueless of what to do. The supervisor XXXX in customer service in XXXX Arizona, team number XXXX advised the stop was because I called to advise I neer received the check. 
I contest, that yes, the first check was never received, so OK, to stop it, but the agreed to then send me a new check. 
SO, this is the replacement check, and it should have funds. 
BUT IT HAD NO FUNDS< because Discover had also put a stop to it. 
I never received any other {$60.00} refund Now, XXXX charged me {$12.00} return check fee. 
I asked XXXX to a ) send me the {$60.00} again, or b ) deposit it in my DISCOVER CARD account, so It goes directly to my card, and reduces my card by {$60.00}, but he said he can only send a new check. 
I asked to please refund the {$12.00}, as this was the check that they promised to send, and when I received it, I trusted it had no stop payment to it XXXX refused to refund the {$13.00}, and when I was irate, he told me he won.t send me the refund OR the additional {$12.00} and proceeded to hung up. 

I hereby request they refund my {$60.00} or put it back in my credit card, PLUS refund me the {$12.00} they uncured me because they did send me a new check, but this one too was stopped. I never got any other prior or after, so this is the only one I received, and trusted their word that they would send me my refund WITHOUT a stop payment, but they don't care, and they are rude and hang up instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, TRANSUNION AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: American First Finance, 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:
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 sent me a letter dated XX/XX/XXXX that the information listed below is reporting accurately after several disputes I sent with the basis of my dispute being their violation of the Gramm-Leach-Billey Act which states that they are to send NOTICE to customers and consumers like myself and that financial institutions should get my PERMISSION before they just blatantly begin to furnish my non public personal information without my consent. The ACA a trade group in your industry gives me even more confidence that your willful non compliance in this matter will help me to collect funds for damages that you have bestowed upon my family and myself without NOTICE!

You may or may not be a member of ACA but I assure you they have been a key information source for those in your industry for decades.

Do you have your safeguards in place in accord with ( GLBA )?

Additionally, you state you are reporting accurately in your reply letter dated 9/17/23, in addition to your diregard for the Gramm Leach Billey Act in which you gave me no notice before violating my privacy rights violating Title15 USC 6802.

Additionally, I would now like to dispute brand new information that is reporting inaccurately as well. 

These XXXX alledged accounts are at present reporting as Past Due which is INACCURATE reporting on alledged collection account. 
I requested initially that you remove all 4 of accounts as they should not be on my reports per ( GLBA ). 

Additionally, At this time I am disputing regarding Brand New information. 


XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete it! 

XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account ..Delete it! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

Please remove these accounts for inaccurate reporting. 

I am uploading partial copies of my credit reports showing the inaccuracies.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS. 

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX - ATTACHMENTS BELOW.

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 2022-12-12
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
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 have contacted the below mentioned Credit Reporting Agencies in reference to adverse information reporting in my credit file. I have disputed on two other occasions and have also filed a complaint with thee CFPB and the reporting agencies have not sent the proof, documents or paperwork that was used to verify that these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Pendleton Capital Management
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX from pendleton capital will not stop calling my job. He calls over and over even after being asked by different people to stop calling. Then calls all my relatives. treats people who answer the phone rudely and threatened me with the cops.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Was not notified of investigation status or results

Complaint:
Hi to whom concerned, I do not understand why Experian does not respond to my disputes. It has been well over 30, even 45 days and no response! 

I sent out a dispute certified mail that I know for sure Experian received on XX/XX/2023 at XXXX because they had to sign off on it. ( Attached document " Experian Failure to Respond '' ) I have yet to receive any correspondence back, and more importantly, Experian has not removed the erroneous bankruptcy from my Experian reports. 

This means they are in direct violation on 15 US Code 1681i! 

The other bureaus, including XXXX, removed the bankruptcy from my credit report because they came to conclusion that it was erroneous. ( Attachment " XXXX XXXX Experian Dispute ( 1 ) .pdf ).

Experian must have came to the same conclusion, which is why they have failed to respond to my dispute.

Bottom Line : The account in question this bankruptcy needs to be DELETED from my credit reports, since Experian failed to respond in a timely manner according to 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Barclays Old Navy reported a 30 day rating under XX/XX/ on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from Barclays error.

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 2020-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing about a late payment reported on XXXX, XXXX on the following account with JP MORGAN CHASE BANK : Account number : XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Credit limit : {$20000.00} I have sent the proper documentation to Chase back onXXXX XXXX, XXXX to the fax XXXX, but I received no acknowledgement of my case. 

The reason why the account was late was because a third-party company was supposed to make the payment, in fact they sent me confirmation of the payment. 
Later, I realized that the account was reported late so I contacted them. They sent me a letter apologizing for the inconvenience, which I have attached for you. Besides that, people in home came down with XXXX, and due to this I was not checking mailed statements. 

I am requesting this late mark to be removed from my report. This was a situation that me, as a customer, could not control. I was not even aware of this. I have an excellent payment history. This did not happen because I didn't have the money to pay or even worse, because I didn't want to do it. 

Please feel free to contact me if you need further documents. I need to solve this issue as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2020-10-03
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I reached out to XXXX XXXX XXXX Regional Manager. ( XXXX XXXX ) Office manager refused to accept payment for XX/XX/2019. 
I explain to her its not fair. 
There system twice had a system error. And they would send out eviction notices to tenants. Even if they had paid rent already? And know that I was late on payment. They refused to accept it? She at first Apologize and said she would fix it. 
Than she said XXXX premises Manager would contact me? 
Than we had a telephone meeting. 
And she said XXXX manager At premises was guaranteeing I have been late before on payments? 
I told her look at payment history yourself. 
She said move out in 5 days. And will keep it like you voluntarily turned in Apartment. I did found a new place to stay And started my new rental agreement On XX/XX/2019 so how can They report Me and say XXXX behind in my rental payment. Since XXXX Causing me stress and physical problems Especially know that we are in an epidemic disaster. That is a lie. 
And when I was there I witness Tenants moving out 3 times a week. 
What really goes on there is ridiculous. 
XXXX which was an employee there. 
Telling her children things about tenants. 
My kids got told what are you guys doing In the area if you guys dont lived here Anymore. If we live in the area we have every right to be where ever we want. 
Upset there premises. Driving around By my home to make sure I did lived in the area. Thats harassment ... .please look into the amount of cases this rental premises has had in the pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to get these accounts remove from Transunion report, they are reporting collection accounts from XXXX XXXX XXXX for {$6100.00} and Portfolio Recovery XX/XX/2018 for {$3000.00} These accounts are FRAUD!!!!! and are not mine. Transunion is govern by 15 USC 1681, they have violated my rights numerous times and I demand that these accounts be removed from my file. They continue to violate the truth in Lending act as well as the fair debt collection practices 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Transunion is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was Transunion is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate XXXX regarding this matter. Next step is to sue! 

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.

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