BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I called US Bank to dispute charges on a non stolen debit card from the dates of XX/XX/XXXX - XX/XX/XXXX the total amount stolen was XXXX through a XXXX XXXX account. The bank gave me provisional credits which it later revoked totalling XXXX. Not only is the amount revoked higher than the original complaint but they also refused to give me my money back which was clearly frauded and verified through XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: BARCLAYS BANK DELAWARE
State: OK
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:
My little boy accessed my Barclay credit card which is tied to my XXXX account without my permission. He proceeded to go on an unauthorized shopping spree not knowing that it was costing real money, It wasnt until I checked my credit card statement that I noticed he had made a bunch of charges that are listed below. I contacted the credit card company and they imediately reversed some of the charges. They are refusing to credit the rest of the charges. My son is under age and used my card without my permisson. I don't see how they can hold me responsible for unauthorized charges made by a minor. I have contacted XXXX XXXX XXXX and they are refusing to refund the charges. I told them I would delete the downloads or send them the XXXX console. They still refused and now I am blocked from contacting them. 


XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$1.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XXXX XX/XX/2020 {$39.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$9.00} XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX   XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$14.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX   XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$36.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00}

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 2022-04-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$370.00}

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 2020-05-31
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: Personal information incorrect

Complaint:
Have contacted XXXX XXXX on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been disputing a specific account " XXXX XXXX " with Transunion for some time now. I've requested their Method of Verification since XX/XX/2015. I've sent over 5 certified letters regarding this collection as well as the original creditor. 

XXXX XXXX, the collection agency, has failed to provide any documentation showing this account belong to me. In addition, Transunion states they continue to 'verify ' this information. I've requested how were they verifying and was told over the phone from a representative that they verify electronically. How is that so? And what does that have to do with the FCRA 609 ( a ) ( 1 ) ( A )? You must provide me with physical proof, which is the original signed consumer contract with my signature on it for this account. That's your job as a credit bureau to obtain this from the collection agency.

Moving forward, I've reached out to the original creditor as well and sent them numerous FCRA 623 certified letters.. To begin with, they have NO WEBSITE, ARE NOT XXXX   ACCREDITED, AND DO NOT RESPOND TO PHONE CALLS ... HOW ARE YOU GUYS VERIFYING THIS ACCOUNT THEN?! I don't even know who these people are, however, what I do know is that every business and reporting entity should be able to be found on the internet! " XXXX XXXX   XXXX XXXX, XXXX '' is not an established entity who can provide any documentation as to who they are or how they have my information. 

I have informed Transunion about THIS AS WELL, and have investigated repeatedly as I currently am, and they refuse to give me a PROMPT response with required documentation. However, they continue to report this account while failing to provide any method or form of verification. ILLEGAL!

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 2022-04-21
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX XXXX and Transunion XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX XXXX Account XXXX, XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Transuninon and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.

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 2019-01-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXX agreed to remove item from my credit report, however this company continues to report this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Global Lending Services LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I XXXX XXXX XXXX  several letters to the kia motors corporation especially when I recieved the 3 recall notices due to the air bag chip malfunction this is why all 3 accidents the air bags dud not deploy and I could have XXXX  been killed also the 2 recall notices due to the key fob locking devices nit locking the car properly and they the kia motors corporation XXXX the nerve to reject my letters I sent to them concerning the accidents and the XXXX bags not deploying when they sent me a letter about the air bag chips not working properly and these XXXX XXXX XXXX which u had a totally unsafe car XXXX XXXX XXXXXXXX which I Also have been harassed by the lean holder XXXX XXXX XXXX which they have the unsafe car now and I don't know if they are re investigating this with the XXXX XXXX XXXX or not. I have been stressed out over 8 months since that accident with this unsafe car XX/XX/XXXX which was not my fault plus XXXX XXXX XXXX the lean holder of this piece if trash vuchle have the same XXXX recall notices with the total loss dept again I not only want that XXXX XXXX dollar bill eliminated which XXXX XXXX XXXX  are trying to make me pay or else my credit will be all screwed again is this the way to treat a XXXX XXXX XXXX XXXX veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran on a fixed income I want justice. I want you people to be on my side and assist me in suing kia motors corporation over the un safe car that was sold to me XXXX by XXXX XXXX if XXXX XXXX CA And I also want loss wages because I was working fie the XXXX local XXXX stage hands XXXX XXXX XXXX which I had to take myself off the roster as a electrican tech concerts and convention contracts on the XXXX XXXX XXXX because I lived too far to make the calls and I lost over XXXX in working contracts. I also want the kia motors corporation sued for pain and suffering and I know that there are millions of people suing kia and hyundai motors fir these screwed up cars that sre nit only un safe but easy to steal especially the one I had. My new address us XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX nv XXXX my cell no is XXXX my email address is XXXX thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Convergent Resources, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.

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 2023-11-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9200.00} on XX/XX/2023. As of XX/XX/2023, 5 months later my account is reporting as XXXX  days late for XX/XX/2023 and " too new to rate '' on my Equifax credit report. My XXXX and XXXX credit reports indicate that there have been no missed payments for XX/XX/2023 and this account is closed and paid satisfactory. Furthermore, I have documentation from XXXX that this account was paid off in XX/XX/2023. Despite trying to resolve this issue with Equifax in the past, they have not been able to do so. The attached letter from XXXX confirms that the account was paid off and closed on XX/XX/2023 and was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MO
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it 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
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Leased a XXXX XXXX from XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was offered to buy a new XXXX and Dealer will pay 1/2 of over millage and Lease contract. I was to pay Deposit of new vehicle and 1/2 of millage due. So we did and attached is End of Lease document with Voucher and receipt for payments. On XX/XX/XXXX I was contacted to pay half of the millage which was already paid by Dealer and Myself in halves. I sent documents and no more calls were received. On XX/XX/XXXX the same happen and no more calls until XX/XX/XXXX. XXXX XXXX XXXX called me and indicated in a very harsh manner about outstanding debt, I proceeded to indicate documents were sent indicating this was paid before. That evening I received an email with a letter I had 10 days to pay the Outstanding of {$470.00}. I called them back on XX/XX/XXXX for discussion. The advise of the agent was to pay the amount and then dispute. Since I was within the 10 days indicated in the letter I paid and requested the go by process for dispute. Attached you will find letter of final attempt and Payment confirmation as of XX/XX/XXXX. XXXX XXXX proceeded to report to Credit Report Companies that bill went to collection even after I paid in full within the term of the letter. This have cause an over 100 points fall in my credit scores and a non-qualification for loans I had applied for my home improvements. First, I am overpaying as per my part of the millage was paid on XX/XX/XXXX as per receipt. Second, I paid the unfair debt within the 10 days in their letter and they still reported a negative information to my credit Score Agencies.

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 2023-02-06
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am being taken for a garnishment by this company and I have no idea who they are. This debt is not listed anywhere on any XXXX credit reports. I have tried to call them several times to get information and no one answers the phone or returns messages. I last attempted to call this company again after I was served this week and was told they are garnishing me and why would they do a settlement offer when they can just take my paycheck and then hung up on me. I tried to call back at least XXXX more times and they would not answer. Also the name that is given for the company is totally different than the name of the company listed on the garnishment paperwork and when I asked them if they were a debt collector they told me I just wan na agrue and that they are not a debt collector. I have not received any letters from this company and again they are not listed anywhere on my credit report. They flat out refused to provide me with any information on this debt but trying to garnish me for XXXX dollars. When you call the recorded line says you are calling XXXX XXXX XXXX, not the name listed on the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I believe in XX/XX/2021 someone applied for a surge credit card in my name and used it to the maximum limit of {$300.00}. However i was not aware until i started receiving calls from a number I did not recognize. This number would call really early in the morning or in the evening. Finally, I answered and they inquired about a payment. At that moment I let them know this card was fraudently opened. I asked them for the information they had on file ; they told me all my information. Everything was correct except my address. They had an address listed from a house I lived at five months ago. I went on to let them know i did not open this credit card. They informed me they would stop reporting this information on my credit report and close the account. They may have closed the account but it is still negatively affecting my credit report and is still listed. After doing my research i looked at their reviews on XXXX and I'm not the only person who has experienced this there are at least 25 people who have similar issues.

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 2020-09-09
Company: AES/PHEAA
State: NJ
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:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief