BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

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:
I looked up my credit with experian and they have 3 bankruptcies reporting on my credit report. I reached out sent expungement letter from the bankruptcy court XX/XX/2023 to remove the actions off. I have not gotten a response they have not been removed nor the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: WA
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:
Good day, Dear Equifax team, after pulling a copy of my consumer report I have noticed you are reporting inaccurate information on the account XXXX/XXXX, due to inaccurate reporting you are in violation of the FCRA and you must delete this account immediately. Please delete this account due to the following inaccuracies : Re-aging debt date last active XXXX  reports as XX/XX/XXXX, Equifax reports as XX/XX/XXXX. 
this is inconsistent and reporting inaccurately. 

Date opened XXXX  reports as XX/XX/XXXX, equifax reports as XX/XX/XXXX XXXX this is inconsistent and reporting inaccurately. 

High credit XXXX  reports {$0.00} while equifax reports {$3700.00} this is inconsistent and reporting inaccurately. 

Account comment XXXX  reports as closed due to inactivity, equifax reports as charged off. This is inconsistent and reporting inaccurately. 

I XXXX XXXX solely submit this complaint and do not consent to e- Oscar or any means of automated verification.I have attached my drivers license as proof of my identity. Failure to respond to this complaint within 30 days could result in small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sears/ Citi retaliated against me for a prior complaint and closed my Sears Mastercard account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( https : XXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the fiduciary debtor.

Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-03-01
Company: Experian Information Solutions 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:
All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a Disabled Veteran and that meant nothing to the them.

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 2023-09-07
Company: Harley Davidson Financial Services Inc
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harley Davidson continues to call 4-5 times a day daily even though they are aware of the medical situation I am in I have attempted to make payments but because I can not pay the full amount they claim they will still repossess the bike and they will still call every day 4-5x a day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ACCOUNT WAS OPEN WITHOUT ME KNOWING

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 2020-04-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I HAVE 7 INQUIRES That where supposed to come off my acocunt with Experian One was from XXXX was supposed to be Removed in XX/XX/XXXX it was never removed. XXXX XXXX inq that was supposed to be removed in XX/XX/XXXX. XXXX XXXX Item was supposed to be removed int XX/XX/XXXX. XXXX XXXX  item was supposed to be removed XX/XX/XXXX, XXXX. and 2x XXXX  items where supposed to be removed in XX/XX/XXXX XX/XX/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: Paypal Holdings, Inc
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I am disputing the following Unauthorized transaction on Paypal Account, XXXX : XXXX XXXX XXXX XXXX - {$35.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$35.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$34.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$34.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$23.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$23.00} Sent by XXXX, Transaction ID XXXX I did not purchase anything from from XXXX XXXX nor have I recieved anything form XXXX XXXX These are Unauthorized Transactions and I am also contacting PAYPAL and making a claim with them as well. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NC
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-10-13
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is from XXXX XXXX. I was signed on a lease mid XXXX. And signed off by all appropriate parties on XX/XX/16. I did attach documents of proof on a dispute. Ive also disputed this through XXXX and XXXX. Both have deleted the debt from my credit. XXXX seems to want to hold this on my credit even though the documents prove this debt is invalid and is hold me back from getting into a home. Im close to being homeless because this fake and invalid debt is not being removed after several attempts and showing proof. Im going to get an attorney involved if this doesnt get removed and deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: WV
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-07
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit 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 paid for an event, XXXX XXXX XXXX, in XXXX XXXX and I used different payment methods to pay for the event, which was roughly {$5500.00}! The event was cancelled due to negligence on behalf of XXXX XXXX  and we were informed the day before the event! XXXX XXXX gave us the option to either transfer our package that we paid for to a different event and they would credit us or receive a refund! They provided us with a form that allowed us to select our bank or their company to apply the refund to our accounts! I chose my banks that I used and I did receive credit from my XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX! My Barclays card gave me temporary credit for the charges, but came back later and reapplied the charges to my account! I tried numerous times and provided the evidence that these charges should have been reversed and the merchant gave permission to reverse these charges, but later came back and fraudulently sent information that wasnt signed by me saying I authorized a No refund policy! I never signed a No refund policy and I never received any credit from the merchant! Im requesting that the remaining {$2400.00} be refunded back to my Barclays card!

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 2023-01-08
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a citi bank account and after making a coupling of transactions I was blocked from using the account. Now when I call them Im being told that I need to have access to an old phone number that I no longer have and have not had for over a year now. The only other option Im giving is to wait on a letter but Ive been locked out of my account for over two weeks now and this is unacceptable. Its very strange that they would allow someone who has my old phone number access to all my banking information and personal details.

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: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, National Credit System has not responded to my certified letter that was sent on XX/XX/XXXX. They continue to change the debt amount on my credit reports but have not replied back to my certified letter providing proof of the debt owed. 

XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX Credit bureau XXXX to report that National XXXX XXXX XXXX added to XXXX XXXX XXXX XXXX and XXXX for the amount {$4800.00} sometime between XXXX ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - XXXXational Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 and XX/XX/2020 I used Google Pay to request {$100.00} from my mother. Both transactions were deducted from her account. The transaction on XX/XX/2020 was funded from her bank account and the transaction on XX/XX/2020 was funded from her Google Pay balance. Because the transfers go directly to my debit card they are usually instant. However starting with the transaction on XX/XX/2020 the transfer never appeared in my bank account. I reached out to Google Pay and my own bank to see what happened and was told to wait up to 5 business days. However the payment never appeared and the same thing happened to the payment sent on XX/XX/2020. I reached out to Google Pay multiple times only for them to initially try to blame my bank but finally admit that the issue was on their end on XX/XX/2020. Google Pay has claimed they are working on this issue but have no date of resolution despite two separate {$100.00} transfers that have now gone missing. When Ive checked XXXX, it appears this is a widespread problem with Google Pay starting on XX/XX/2020. I would like Google Pay to either release the funds to me or to refund the sender immediately because holding funds without authorization for two weeks is ridiculous especially when this is clearly an issue with their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was given a loan for {$22000.00} to finance a XXXX XXXX XXXX XXXX XXXX. I paid {$27000.00} down on the vehicle so my payments were not as high. Unfortunately I was involved in an accident on XXXX XXXX XXXX and my vehicle was deemed totaled. I was covered fully by XXXX XXXX XXXX and they then took over the case. It Has now been 4 months since this accident has occurred and I have not gotten a vehicle to drive, I Was offered a settlement but money was being subtracted that was not negotiated in the very beginning. XXXX XXXX then told me that I was financed XXXX when on the contract it clearly states that I was financed XXXX and I only had the vehicle for 3 months and since they took long to figure anything out I now have late bills with late fees of over XXXX and they are saying I owe them this ridiculous amount of money. 


























































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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Report Act XXXX XXXX Creditor : XXXX XXXX XXXX XXXX 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. 

Based on my knowledge, I don't owe this debt collector.

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 2020-04-01
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
hello, XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) I disputed this debt last month but never heard anything. Since then the collection lawyer has sent my employer a wage execution, first this is embarrassing and second, i have tried numerous times to reach out to XXXX XXXX XXXX XXXX XXXX  when i was first notified again last month. i called everyday leaving a detailed message and not one return call. the name of the debtor is XXXX  XXXX  XXXX, who i have no idea who this is. the paperwork, does not give me the name of the original debtor, original date or any documents to prove this is mine. they are also using my married name XXXX from XXXX  and i was divorced in early XXXX. i have never ever used that name. I have also recently checked and cleaned up all 3 of the credit company and this debt is not on there any where. i even called and spoke to a customer service rep at XXXX XXXX and they couldn't find anything either. i already have my wages attached and i told them this via voice mail when i called and they still send a order to my employer. i am disputing this and they still are sending this to my employer. what am i supposed to do? i need proof this is mine, i need all harassment to stop while this is being disputed but they are not listening to me. i cant resolve something if i do not know what i am resolving. 

please help me. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation