BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: BARCLAYS BANK DELAWARE
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I Opened a credit card request for Jet Blue due to a promotion they had to take ( - {$300.00} ) to a current trip. I bought a flight to new jersey through jet Blue Website also filling out the credit card application thinking it was going to be applied to the total. 
The notification I received upon finishing the application was that it was in processing and that they will notify me if I was approved on it. I never got the ( - {$300.00} ) to my total so I thought I wasnt approved. In XXXX I was checking my credit score because I want to buy a home for my family since we had a newborn on XX/XX/XXXX of this year. I noticed that there was a XXXX point drop on my credit score due to a credit card not paid in XX/XX/XXXX telling me that there was an account 30 days past due I then immediately looked to see what card it is and it was a Jet Blue card I received in XXXX. I knew I didnt make any purchases with this card so I called and asked why the charge and the company representative told me that it was because their annual fee is charged on the XXXX of XXXX! 
I was already being charged of an annual fee without even having the card yet. I was not notified of this charge anywhere. No letter was sent home nor email. As you can tell in my credit report. I am very careful about my credit and what I buy. I take care very much of my credit and for this to happen its just wrong from them. 
I tried calling the company and they told me that I must write a letter to you reporting this issue as there is nothing they can do from their part. I paid the full amount owed as soon as I found out about the charge, and I also closed my Credit Card with them. 
Please help me investigate this issue further and please delete this wrongful reporting from my credit report as it is more of a scam than fair. 
Thank you very much for your time.

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.

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 2022-02-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2021-06-03
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I called XXXX XXXX XXXX  to inquire about an account that shows on my credit report as being in collections. On that same day, I settled the account with them for a lesser amount and was told that all three of my credit reports would be updated between XXXX XXXX to reflect that the account is fully paid. On XX/XX/XXXX, I checked my credit reports, and it shows that they did update my credit report but not showing that it had been settled, but that payment was received and that I still had a balance showing that it was past due. I disputed XX/XX/XXXX with all three credit bureaus to have information updated to report the correct information. I have received the dispute back on XX/XX/XXXX from Equifax, and the information that came back was after they researched the credit account. Account # - XXXX ( please refer to page 6 of the Dispute from Equifax ) The results were that the creditor has verified to Equifax that the balance has been reported correctly. The following fields have been modified. When I looked at my credit report, I saw that they updated the payment back to the original amount as if it never been paid. I sent in proof from the collector that shows this has been paid and settled. By the information being reported wrong again, this is going to cause my report to be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Information belongs to someone else

Complaint:
The documents are attached and are presented to the legal team. I have attempted to reach out numerous times about this matter and no one in the legal team has ever reach out to resolve this matter. I have given ample amount of times and chances I have made my demands and you can reach out to me mobile to resolve this matter. Please read the document carefully and each message placed in the box below as fair resolution too. It is important.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 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 explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed a former complaint with XXXXExperian through this site. In response they stated that they were going to provide me the documentation and correspondence of all parties and conversation once the CFPB closed the complaint out. I have never received the documentations and it has been over 30 days. Here 's what I'm asking from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 RE : Method of Verification To Whom this May concern : I'm requesting the Method of Verification for the dispute account ( s ) below : Account Name-Account # Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX XXXX XXXXXXXX XXXX . ) Name of all creditors 2. ) Creditor 's address and telephone number 3. ) Documentation used to verify the disputes.

I'm requesting that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the request documentation, please delete the account ( s ) from mt credit report. 

Thanks 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 explanation
Consumer complaint received 2020-06-18
Company: Global Lending Services LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested a deferred payment due to the COVID pandemic for the months of XXXX and XXXX. When I requested the deferment in XXXX i was initially told no because previous over payments had been held, and rather then be applied to the principal thus reducing some interest, they waited and applied it as a regular payment when the regular payment became due in XXXX. I requested the deferment BEFORE the payment was due and had asked why the over payment amounts had been held and either not applied to the principal or returned to me. This was never addressed. After several calls I was finally able to secure a deferment for XXXX. I was told I could not request another deferment until the next payment became due. 
In XXXX when I called an requested a deferment I was told no. I was told that the company had decided ( with no notifications made to any one ) that they were no longer allowing deferments due to COVID. I was then told a deferment can only be requested after making 6 consecutive payments. From this point the company calls me multiple times a day using an auto dialer. When I answer the phone the call immediately disconnects without anyone saying anything. I have gotten as many as 4 calls per day of this nature. There is absolutely no reason why I should be treated in this mannor. I made full consecutive payments per the terms of my loan for the first year with no problems. I have attempted to work within the terms of the loan and keep in constant contact with the company. I have made the appropriate requests to keep the loan in good health while making adjustments in my employment due to a worldwide pandemic. The fact they at no time attempted to communicate any programs that were available when they became available so people could take advantage before making a decision to halt the program is ridiculous and deceptive at best. To then add my primary number to an auto dialer as if my account is in default is disgusting behavior. I desperately need assistance in dealing with this institution in maintaining the health of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Convergent Resources, 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:
Start back in XXXX of 2019. I written Four letters to send out to sprint to verify the debt. The 30th day from the last letter that was sent another letters gets sent out. XXXX sent letters stating the debt was intact mines but never sent proof far as the original documentation. This debt was in the amount of XXXX dollars.this debt remains in my credit report and XXXX still has not removed it.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 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 2023-02-23
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXXXX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2017-07-05
Company: Harvest Credit Management VII, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This was originally over a debt from credit card ( XXXX limit ) that i could n't afford to pay about 17 years ago, this was for XXXX XXXX. 10 years ago a law office that was hired by a a debt company ( harvest credit management i believe it is ) that bought the debt sued me. I never received a notice to appear ( failure to serve ). I only found out about it months after when the collected old mail to see the court case was already decided. To my knowledge I have to be served correct? Since which 10 years have passed and suddenly last week they seized all the money in my accounts both savings and checking. This happened without any notice. When I called them they said they sent a notice to an old address. They claimed the recently renewed the case and is why they just now after 10 years decided to make that move. They now claim I owe XXXX in interest on top of the credit card amount of XXXX, a total of XXXX. I have no way to pay this and will most likely claim bankruptcy soon unless they can settle for a far smaller amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions 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:
I have a closed auto loan with this company called credit acceptance that was opened in XX/XX/XXXX, however I contacted the credit bureau once I noticed several inaccuracy reporting as far as 30 90 and 60 day lates, these are all inaccurate, Ive asked experian to correct this information or force credit acceptance to report proper information, however what Im noticing is experian every time I disputed they just say verified, IVE ASKED FOR THE METHOD OF VERIFICATION, biggest issue is they are supposed to go beyond the creditor make sure the information furnished to them a indeed 100 % accurate, however they just back these false verification no rhyme or reason given just tell me the company says its accurate, its also the job of the bureau to make sure the creditor is not bullying me which is clearly the case here the account is closed so they dont care about updating their records or even spending any time researching it ... well they should delete the account if they cant verify and stop sending false reply that you ecxperian did not even research

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 2023-03-04
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I tried to activate a netspend prepaid visa. I was asked to send my government issued ID and a copy of my social security card via email to them. I asked that they email me a link first to a secured email, and she would only answer to send it to XXXX. When I asked if they were US based, she ignored me for more than 30 minutes and finally admitted that they are not. And she insisted that I send all of my personal information via unsecured email to them to verify my name, date of birth and address. This was not to verify my social security number but she insisted that I send a copy of my card. She didnt answer my questions. She ignored me several times during the call. And even sat on the phone while I filed this complaint.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.

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