BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
MCM # : XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX XXXX : XXXX I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: DISCOVER BANK
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Discover Financial, and XXXX XXXX. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: MOHELA
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:
How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: OR
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USX 1681 s-2 A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.

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 2022-09-15
Company: EQUIFAX, INC.
State: HI
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:
XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXX XXXX  IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
BBVA USA has been harassing me with phone calls regarding my personal loan. The calls come from XXXX. I answered one of these calls on Tuesday XXXX, advised I will be able to rectify the issue on XX/XX/XXXX when I get paid and asked for the calls to cease. That was at XXXX PST. On XXXX I received three calls between XXXX and XXXX PST while in the middle of a medical virtual appointment. I received an additional call the afternoon of XXXX at XXXX PST. On XX/XX/XXXX I received a call at XXXX PST, XXXX PST, and XXXX PST. In the XXXX PST call I spoke with someone named XXXX who stated I was still receiving calls due to not setting up a payment arrangement despite having stated on XXXX that I will resolve the issue on XX/XX/XXXX. This is abusive and harassing, and interfering with my sleep and my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXXXXXX XXXX IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.

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 2021-06-10
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered the XXXX XXXX coolant required for my XXXXXXXX XXXX XXXX through XXXX XXXX. This was on XX/XX/XXXX. 
Yellow coolant was shipped twice and returned both times, with written XXXX XXXX return authorization. I have XXXX receipt of returned coolant. My Discover Card, account # XXXX, will not accept the credit return of {$140.00}. I spoke to Discover Card rep three times and they agreed with me, but I an being harassed by Discover Card and their debt collection and every month being charged {$40.00} late fee and interest on product that was returned. I have told Discover I will not pay for product I returned and sent the backup documentation. I contacted XXXX and was told credit was approved and Discover will not recognize the credit. I have 23 years business with Discover without one issue. How do I stop this harassment. I need your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CO
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. Upon reviewing my credit report, I have noticed several unauthorized inquiries that I believe to be fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that these inquiries be removed from my credit report immediately. 

The unauthorized inquiries are as follows : XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXT - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I do not recall authorizing any of these inquiries and suspect that they may be fraudulent. I am concerned that these inquiries have negatively impacted my credit score and ability to secure loans and other financial services. 

I kindly request that you investigate these inquiries and remove them from my credit report. According to the FCRA, you are required to conduct a reasonable investigation into any dispute and respond within 30 days of receipt of the dispute. I request that you provide me with written confirmation of the removal of these items from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-02-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have talked to Conn 's several different times regarding our 3 accounts with them. I am in a Debt Program and these accounts could not be included. I worked with them to get the 3 accounts refinanced into 1 account to get payment lowered. We got that to what I thought was a final deal. I received the Promissory Note and Security Agreement signed and with a payment being dueXX/XX/2019. Now I called to make the payment and there was no such account set up but could see that it was being worked on. Well, its still being worked on. I now get 10 calls a day approx. and emails from the mitigation dept and since XXXX all of the accounts with Conns have gone on to hit my our credit and I might add, I had to put a down payment on all three accounts to do this and it was done. Now they are threating to charge off and I haven't even made 1 payment on this refinanced account. They tell me its going to be repaired and yet still waiting and still receiving marks on credit. Not sure what else to do. Please help me. Sorry it wouldn't allow the whole refinance document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Data Breach Litigation mailed me a bad settlement check that bounced on XX/XX/2020 which is the last day to deposit. 
{$8.00} bad check and {$12.00} bank fee for bad check from Experian. 

Experian Data Breach Litigation XXXX. XXXX  XXXX XXXX, KY XXXX I filed a complaint against Experian Data Breach Litigation on XX/XX/2020 and no refund issued. Complaint # 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 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX is the Dispute Number. 
XX/XX/2022 -- XXXX {$6100.00}. 
XXXX XXXX -- CITI IS SIDING WITH XXXX DESPITE THE MULTIPLE PROOF THAT SHOWS ITEMS WERE RETURNED AND SAFELY DELIVERED TO XXXX. 
-- -- -- -- -- -- -- -- -- -- -- I Returned a Purchase to XXXX and had to fight them for a refund, even though tracking and every possible details confirms the Item was received as well as their returns Portals. 

I disputed with CITI and they have done a very poor job. I Provided them with Proof Of Delivery PDF from XXXX website, I provided them with a Screenshot of the order details on XXXX that states " Your item has been received and Refund will be processed '', I sent them emails from XXXX XXXX confirming that the item has been returned but for some reason Refund hadn't been issued. I provided them an invoice and statement from XXXX saying they " issued a refund '' but clearly wasn't. I provided CITI with every possible Proof, pictures. screenshots, statements, everything that I could possibly send and twice they have sided with XXXX. 

The first time they sided with XXXX and I had to go on a two month drag with XXXX before they finally refunded me, however I was only refunded for one of the items. I sent the screenshot of the email sent from an XXXX XXXX saying that I would be refunded for both items, but only received a refund for one. 

I redisputed the transaction and Yet they have concluded that despite every single details I sent them, that they are going to do a XXXX poor job of ignoring the facts and siding with XXXX. 

I REFUSE TO BE LIABLE FOR AN ITEM THAT HAS BEEN RETURNED TO THE MERCHANTS. THIS IS A DISPUTE GOING ON 4-5 MONTHS NOW AND HOW THEY CAN BE SO XXXX IN THEIR DECISION MAKING DESPITE THE FACTS IS ABSOLUTELY BENEATH ME. 

I don't know if it's because I am a new customer but quite frankly once this is resolved I will be closing my card with them as they proven they are not in it for 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 monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-04
Company: STERLING JEWELERS, INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have try contacting XXXX XXXX XXXX and XXXX along with original creditor as a count is stating incorrectly. creditor stated over the phone that they no longer own this account therefore they cant do anything about it. Bureaus continue to investigate and results continue to come back incorrectly. Account is stating closed {$0.00} balance {$0.00} pass due with perfect payment history and no late payments with XXXX. Yet, all three bureaus are reporting payment status as charge off with Inaccurate de last active and date last reported. Date open has changed as well. Along with missing data on date last payment yer XXXX report payment history. This is not possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
I requested a hardship program because I was out of work due to medical issues and had falling behind by two payments. that went from XXXX per month to XXXX so XXXX stated that my payments would be lowered to XXXX per month for 12 months. to give me the opportunity to catch up. I was told as long as I make timely payments that I wouldn't be removed from the program. so I asked if they could do automatic payments they stated yes. so we set them up. I recieved paperwork in the mail in which I still have, and since the original call XXXX has been reporting to the credit bureau as me being delinquent. and I feel as thou this is unfair to not only me but to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to ask them to lower the outrages monthly loan amount they expect me to be able to pay. 
The interest on this loan is SO high I will never be able to pay it back! 
An original loan of {$10000.00} I now owe {$50000.00} or more ... 
Ive never been able to pay the CRAZY monthly amounts they have asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCOUNT 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