BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Federal DIC ( FDIC ) : XXXX, XXXX XXXX XXXX XXXX, XXXX  ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E.

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to XXXX debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE 2 Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. XXXX bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY XXXX ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR XXXX TO ISSUE A CREDIT OF {$840.00}. XXXX IS NOT IN COMPORTMENT WITH REGULATION E AND IS REFUSING TO ISSUE A PROVISIONAL CREDIT. I NEED ALL MY MONEY.

( 2 ) XXXX HAS ISSUED THE {$250.00} PROMOTIONAL INCENTIVE. 

XXXX IS FACILITATING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY XXXX ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERING THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND XXXX INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE.

Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : 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 2020-04-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Credit card in XXXX got approved. I provided all the documents needed including bank statements. Also received abuse and harassment from the staff. Mr XXXX XXXX messaged me saying you application is almost finalized. He then send me a email saying the jig is up? This credit union has lied to me and mislead me. I got approved for a credit card which was never send to me. Mr. XXXX XXXX has refused to reply to my emails. Also a complaint was filed ( ref XXXX ) in which the case was immediately closed with out any outcome and no investigation. 


I am lodging a written formal grievance to invoke the grievance procedure by reason that PenFed has omitted to recognise its 'statutory duties ' germane to my XXXX. This omission whether deliberate or inadvertent is to my detriment. 
My health and well-being have been affected and continues to be effected due to PenFed relevant failure to observe a duty of care towards me. In invoking the grievance procedure, I am asking PenFed to observe the implied term of 'mutual trust and confidence ', and not act in a manner which would likely destroy, or seriously damage that trust and confidence. I trust therefore, that PenFedwill observe the 'good faith performance and take 'reasonable and practicable steps ' to remedy the following grievances. I trust that that I will not be subjected to a detriment and or detrimental treatment for having exercised my statutory rights in invoking the grievance procedure.

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 2018-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America chose to arbitrarily close all of my credit card accounts and is keeping the cash rewards that I rightfully earned. I received a letter at the end of XXXX advising me that all of my credit cards were closed due to high balances on other cards. I have never missed any payments on any of my cards ( whether with Bank of America or any other banks ... all of my credit card accounts are current and all payments have been made on time ). In fact typically pay the balances on my Bank of America cards in full with no missed payments so they have no reason to have closed my accounts. While I disagree with their decision to close my accounts, if they choose to do so, they need to pay out the cash rewards I have earned on these accounts. 

Further, they did not allow me a chance to redeem the rewards I have earned. I have called multiple times to try to get them to pay out, most recently on XX/XX/18, but they have refused. 

My rewards according to their website should be as follows : Card ending in XXXX = {$550.00} Card ending in XXXX = {$620.00} Card ending in XXXX = {$92.00} Total owed = {$1200.00} I will attach screenshots of my rewards balances on my 3 accounts taken from Bank of America 's own website on XX/XX/18.

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 2018-03-06
Company: National Credit Adjusters, LLC
State: UT
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:
3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : National Credit Adjusters Acct # XXXX* {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation.XX/XX/XXXXThey responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( National Credit Adjusters ) To date ( XX/XX/XXXX ) The Furnisher has not complied with the FCRA. They have refused to respond to my request for  information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXX I filed an identity theft report XX/XX/XXXX I called XXXX  to resolve and was told there is no way to fax documents. I was told to use their upload site.

XX/XX/XXXX Attempted upload via XXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXX I attempted to submit the dispute online at eXXXX the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute.

XX/XX/XXXXI sent a third certified letter to XXXX requesting the information be deleted. and including the identity theft report. 
Both XXXX and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both XXXX and the furnisher are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MO
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I demand a removal of XXXX XXXX XXXX - Account # : XXXX. This was reported incorrectly on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # 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 2023-04-22
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Reporting act XXXX XXXX XXXXXXXX account XXXX XXXXXXXX has violated my rights.

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.

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 2023-12-18
Company: DISCOVER BANK
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about 100 points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX, XXXX acct # XXXX XXXX XXXX, XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX 1

5 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.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-03-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
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:
In XX/XX/XXXX I discovered that Infiniti had reported a 30 day late payment from XX/XX/XXXX on my credit. I called them immediately and was told by a customer service representative that the account would be updated if I disputed the information since there was a discrepancy of a couple of days, my wife had lost her job due to Covid and I had been not only an excellent customer but had been paying extra on my loan up until that point. The update never happened. I contacted the credit bureaus and Infiniti verified the information. 
I called them on XXXX and after spending an hour on the phone with a rep was told that a late payment could never be removed. I requested a supervisor or manager and was told 3 to 5 days for a return call. This is completely unacceptable and poor client services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00}, 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 non-monetary relief
Consumer complaint received 2020-02-05
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
Charged for a returned item not by the original company but after account was closed a debt purchasing company purchased the non existent debt and is now harassing and ruining my credit. Disputed more than once and nothing has chamged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX shows an old joint account auto loan as being Charged Off/Written Off in the amount of : {$5000.00} and a balance due of {$100.00}. In actuality, the loan was paid off by XXXX XXXX XXXX, due to a total loss. The pay-off amount was : {$5700.00}. The check was issued by XXXX on : XX/XX/XXXX and cleared by XXXX XXXX XXXX on : XX/XX/XXXX effective XX/XX/XXXX. 

I spoke with XXXX today, XX/XX/XXXX, after I disputed the inaccurate information with Experian and XXXX. XXXX is removing the erroneous information. Experian is keeping it. XXXX refuses to do anything about it, even after showing they received and cashed tje check from XXXX. I explained to XXXX that by writing off the loan amount as a loss on their corporate taxes and taking the check from XXXX, is a form of tax fraud. It is either one or the other, not both. 

I spoke with XXXX today, XX/XX/XXXX and obtained a copy of the check they sent to XXXX. I uploaded the copy to Experian 's website. 

XXXX is not being honorable and living up to their reputation as a predatory lender.

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 2023-09-22
Company: Deinde Online Services, LLC
State: NE
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan of {$3000.00} on XX/XX/2023 and was to be making bi-weekly payments of {$180.00} to XXXX Bank ( Integra Credit ) After making 6 payments to this lender I noticed that my balance had actually increased to over {$3200.00} and after contacting them they never provided me what the reason was for of this and I have been in contact with them ever since trying to settle this debt and they have amassed late fees and charges to the amount of {$4300.00}. They have reported the loan as delinquent to my credit agencies and I have attempted to get them to work with me so that I can close this account, the only option they offer me currently is a {$1300.00} settlement offer to destroy my credit. I have asked this situation to be escalated internally via XXXX XXXX support and they have come back to a resolution of, offering to waive a one time late fee of {$15.00}. This place is a predatory lender and should be notated as such within this data base to assist consumers going forward. I have paid {$1700.00} ( screenshots enclosed ) for this and I am proposing a settlement in full for complete removal from my credit report in the amount of {$1200.00} which would be the full amount of the {$3000.00} borrowed. This company has been unwilling to work with me on this, I am seeking the next steps from the Nebraska Attorney Generals Office currently. I appreciate this agencies willing to help consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Account information incorrect

Complaint:
I sent the letter below to all 3 credit bureaus. Experian, XXXX, and XXXX has yet to get back to me with an answer. It has been over 30 days. I would like to have these negative items removed from all 3 of my credit reports. 

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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