BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted the debt collector on XXXX to request a verification of debt letter by a supervisor ID # XXXX XXXX. I was told she was not able to send one as IC Systems did not own the debt they were trying to collect on. I was told they could only send me a balance statement in regards to the debt. I made clear that I have not received any correspondents via USPS and was only mad aware of the debt when I ran a credit report.

I made multiple request for a letter to verify the debt and was told it would not be sent.

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 2017-07-18
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:
XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XXXX tax return. This information is prior to two months. I filed bankruptcy in XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX  {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :

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 2021-06-03
Company: Lending Club Corp
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 have an issue with Lending Club institution. 
They have been reporting missing payments since XX/XX/2020. I have a proof of all automated payments from my bank. I provided to them, but they did not even respond. 
I called them and spoke to one of the managers and he said there is nothing they can do. 
I just wanted them to correct reports and fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: NV
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:
The consumer has not consented, authorized or benefited from any of the following adversely furnished data. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  AXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX ACCOUNT # XXXX CHARGE OFF XXXX XXXX Acct XXXX Charge off XXXX XXXX XXXX  XXXX Unvalidated Collection XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 attempted to submit a dispute online and was unable to be " verified '' to submit the dispute and attempted to call and was unable to reach a live person. The date is XX/XX/XXXX. Transunion credit report lists a delinquent debt with XXXX-XXXX XXXX. It states in Remarks " Full Termination/XXXX XXXX  ''. However, in pay status, it states : Current Account ''. Further, the lease terminated in XX/XX/XXXX ( and the summary states, " Last Payment Made : XX/XX/XXXX '' ) yet the summary of payments show green as if paid from XXXX. There are several issues. This account is listed as paid and terminated ( with no balance owed ) on my XXXX  Credit Report, which is accurate. I do not owe a balance on this account. In addition, there has been no activity on this account for over 13 years. Even if there was a balance ( which there is not ), this should not be listed as a negative on my credit report any longer.

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 2022-11-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got a XXXX XXXX card in the mail, it had a offer in it to get {$300.00} or {$600.00} to open a new savings and or checking account, according to the branch the account was opened at.I went to the branch in person to open the account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I thought they would be able to do their own offer with out a issue. I opened a savings account, made the deposits as required and got nothing. I called XXXX on XX/XX/2022 XXXX XXXX  the customer service line transferred me to 3 people, the last lady a supervisor said their was nothing she could do, since the error happened in a branch, it needed to be taken care of in that same branch. XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX upon contacting that branch, I spoke to a vary nice lady XXXX, who said she would contact the back end and get right back to me later that day, that was 5 days ago, I called 2 more times and left messages but she never returned my call. so now I will file a complaint with the cfpb, but have zero confidence in it being resolved at this point, so I am also planning on closing the account as well. I was planning on opening the checking account as well to get the other {$300.00}, but that is not going to happen, after they made a mess over trying to honor their own offer. this complaint is for https : //www.citizensbank.com/customer-service/contact-us.aspx

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022, I sent a written dispute letter via certified mail to Transunion LLC Consumer Dispute Center. The account still remains and have not been fully validated. 
On XX/XX/2022, I sent another written dispute letter via certified mail and the account still remains and have not been fully validated. 
Credit reporting company : Transunion LLC Consumer Dispute Center XXXX PA XXXX Account being disputed XXXX XXXX XXXX Account Number 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-04-13
Company: Client Services, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Client Service submitted a response. Their response in insufficient. They continue to provide old credit card statements, just showing fees on top of fees. There is no transaction history. I have asked several times, for them to provide me with a signed contract, full details of every purchase on the credit card. Client Services doesn't get to choose what it sends in to verify the debt. Please refer to my previous submission for what I asked for. This is required by FCRA and FCDPA. If your going to ignore these requests I will hire an attorney to sue you back for insufficient validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have incorrect accounts showing on my credit report for all 3 credit bureaus and I have individually disputed online and in physical letters to all 3 multiple times asking for them to verify proof of the various debts and they have not ever sent me back any verification. I have requested multiple times based on the laws and each time they just say its accurate with no proof given to me and leave the accounts on. I should not have these accounts still listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: BARCLAYS BANK DELAWARE
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: Old information reappears or never goes away

Complaint:
The last payment on the account # XXXX is more than 7 years and the account should have been deleted by now, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/2023. '' Please delete this disputed account.

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 2017-07-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the power of attorney for my mother, who has   XXXX   XXXX  . I opened a bank account with TD Bank which contains only her social security benefits and pension benefits, which are exempt from collection under state and federal law. My mother and I have the same last name, but different first names. I opened the account as the power of attorney, but the bank incorrectly placed my name on the account as a joint account holder.
A debt collection law firm served the bank with a restraining notice based on a judgment someone obtained against me in small claims court. I returned the exemption forms to TD Bank and to the law firm. I returned them within approximately two weeks of receiving them. The letter accompanying the exemption forms was dated XX/XX/XXXX , but I did not receive it until  XXXX . There was no post mark on the envelope. I consulted with a lawyer and returned the exemption forms within a few weeks of receiving them, indicating that the only money in the account was my mother 's money, so the account should not have been restrained, since she was not the judgment debtor. The Bank never responded. When my lawyer and I called the bank to follow up, they said they would not release the account because the exemption form was sent back more than 20 days after they mailed it. They admitted that they do not have any records relating to the mailing date and asked me the date of the postmark. I explained there was no postmark, just a preprinted mark stating that TD Bank paid the postage. They refused to release the account, even though they had notice that the judgment applies to me, not my mother, and the only money in the account belongs to my mother. They also refuse to correct their error in putting my name on the account as a joint account holder rather than as the power of attorney until the restraint is lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX  and Equifax on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: KY
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 a private student loan with Navient ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to Navient.
About 2 years ago this loan was sold (? ) to  XXXX  who now services my loan. I came to an agreement with  XXXX  that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.
I have contacted   XXXX   and Navient and explained that since I am making payments to  XXXX , who is servicing the loan for Navient, I do not believe it should be reported that I am missing a payment every month to Navient.
Navient wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.
Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.
Thank you   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Upstart Holdings, Inc.
State: NY
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:
Upstart Inc is furnishing an inaccurate information on my credit report and is in violation of the FCRA.

I checked my Credit report and i found a lot of errors from this company. The burden is on you and you hereby have 15 working days to reinvestigate.

This inaccurate information on my credit report has caused me a lot of financial harm, denial of credit from creditors and defamation of character. 

If after 15 days of reinvestigation you do not correct of delete the erroneous information on my credit report, you will be civilly liable to me for negligent non-compliance. 

Take this seriously, the time starts now.

Company response to consumer: Closed with explanation