BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
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 explanation
Consumer complaint received 2023-03-20
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: OK
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:
This is still regarding the previous case with XXXX XXXX XXXX with CASE # XXXX-XXXX. 
They called and promised they will correct the wrong information placed on my Experian credit profile, and correct the late payments, and the " paid, closed, {$1800.00} written off " placed on my credit Profile. Since this was not part of the loan, but erroneous insurance charges of {$1100.00} that caused the problems and overcharges by them, as a way of delaying the loan. 
I have all the insurance at that time and provided to them, while they promised to resolved it and credit me. They are supposed to refund my credit as they promised earlier, but they refused crediting me, and insisted they will correct their mistake on the credit report placed on my account but will not pay credit me.I refused to accept their offer. I have not heard from them since XX/XX/2019. my credit profile has not been corrected, my credit for insurance has not been paid. I need this issue resolved or will file for damages against them. 
This was fully paid with XXXX balance.Needing my credit from 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 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children

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 2020-12-28
Company: PNC Bank N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have contacted PNC regarding pre-payment for warranties for both my homes for three years. PNC requested that I provide them in writing proof that I have been defrauded which I provided. The information provided to PNC are receipts for payments I made out of pocket for services that are supposed to be covered by my warranties. Proof from the XXXX XXXX XXXX that the warranty company XXXX XXXX XXXX has defrauded their customers and are not covering services as they are contracted and having customers pay out of pocket and never reimbursing them as stated. I provided proof that XXXX XXXX XXXX has not reimbursed me for me paying in total for services that were supposed to be covered by my warranty. I provided PNC the correspondence with XXXX XXXX XXXX showing that they still have not refunded me the money in the timeframe they have provided and they are being investigated for defrauding their customers. However, PNC still has not reversed payments that were made both in advance and that were supposed to be in affect and XXXX XXXX XXXX has not honored. XXXX XXXX XXXX is also being investigated by the Attorney General 's office for defrauding its customers. I have attached just a few of the payments that I have paid out of pocket and never been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Harley Davidson Financial Services Inc
State: TX
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX ; this is in violation of the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The issue is with the Credit international Corporation in XXXX Washington. They refuse to provide documentation of a matter that has been closed with their agency. This lackof documentation is preventing me the opportunity to get my MLO. This is unacceptable and this is a common problem with many collection agencies. They fail to inform they fail to send out notices of judgments and liens.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: MT
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:
I have been trying to get my address corrected on my Experian credit report since XX/XX/2023. Experian as of XX/XX/2023 has not put my correct address on my credit report. 
I have been given 16 different dispute case numbers- 3 of which pertained not to my address but my name or social security number. I have been on the phone for hours with their dispute department and told numerous times that my address was fixed. It has not been. I have downloaded and sent by registered mail copies of my drivers license, social security card, bank statement, cable bill, renters insurance policy, and proof of health insurance from the state of Montana. All of these had my correct address. 
Experian has stated that they have received these documents and that they needed nothing further to fix the problem. They have not fixed the problem. I filed a complaint with you- # XXXX but the problem remains. I was sent a hard copy of my credit report from Experian which I received on XX/XX/2023 which had an incorrect address and which was different from the address listed on my online report. I am asking you to contact Experian again to please try and finally fix this problem. 
Thank 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 2020-10-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging affect on my credit report and score.

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 2019-08-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/19 and XX/XX/19 I tried to purchase airfare on airline carrier that have bought in the past, three times on XXXX XXXX and once on XXXX. 

No reason, no one called to verify the charges, going online, were not alerts but under charges said merchant id amount and real time score.. 

On XX/XX/XXXX Spoke to XXXX, she refused to provide any info, she said that they blocked the charge for no reason, she was explained that we have in TDBank over quarter million dollars, and TD caused a loss of {$XXXX}, she said to escalate to her management and they will post {$XXXX} worth o bonus points to the account to offset the loss. 

Nothing happened, On XX/XX/19 XXXX Called the Georgia call center and was answered by XXXX , who she was rude, obnoxious and terrorizing, refused to provide any info about herself or her supervisor, she was demeaning and threatening to seize our money ... Refuse to make good, she was asked for her physical address to send a summons for the loss and she refused to provide, at the same time, she was informed that she will be tracked down and maybe called as a witness she transferred the call to XXXX , who she said that I can not bring a suit, she is a director of credit card services, and they are exempt from US law, as they are subsidiary of a XXXX Bank .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: KS
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 sent dispute a dispute letter to Experian. Despite my requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigation, they stated in writing that they updated that these items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully  intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Account Name XXXX Account Number XXXX Account Name 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 2023-11-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
Join the time XXXX XXXX when the XXXX pandemic was eminent. I reached out to Navient customer service and explained to the representative that I was currently out of work and receiving unemployment benefits. They were unwillingly ready to work with me as far as postponing payments. They made me write a letter and submit proof that I was not making any money except my company was only paying me XXXX hours of pay, which was less than {$1000.00} a month. It was a complete disaster and they threatened to send me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
INTRODUCTION OF CASE : XXXX XXXX and XXXX XXXX XXXX were XXXXXXXX XXXX XXXXXXXX customers, and had automatic payments setup on a XXXX Rewards card ending in XXXX. On or about the third week of XX/XX/XXXX XXXX XXXX called Barclays Card and advised them that as of XX/XX/XXXX, XXXX XXXX and XXXX were parting ways, and " not to accept anymore charges on card ending XXXX. On XX/XX/XXXX Barclay accepted a charge of {$1200.00}, against the principle card holder 's instructions. XXXX XXXX has called Barclay multiple times advising them that Barclays employees had committed and error in accepting the charge and that XXXX XXXX had taken all legal steps by instructing Barclay to refuse any and all charges to the credit card ending in XXXX from XXXX XXXX XXXX, as there was a posted flag on said account that reflected those instructions. 
XXXX XXXX was informed by Barclay employees that only the merchant could cancel automatic payments/charges and that it was in the terms and conditions of the contract between XXXX XXXX and Barclay, at this time XXXX XXXX immediately asked for a copy of the contract, on or about XX/XX/XXXX the copy of said contract was received by XXXX XXXX, and found out that Barclay employees were in fact willfully, and knowingly lying and committed a willful and knowing act of Fraud pursuant to California Penal Code Section 484. 
XXXX XXXX has advised Barclay employee 's to cease and desist any further communications as to this matter, as the clear and willful mistake was wholly due to a Barclay employee 's mistake, and that XXXX XXXX owed nothing. Barclay has continued to harass XXXX XXXX and XXXX XXXX XXXX by continuing to contact, XXXX XXXX and XXXX XXXX XXXX by emails, letters etc. In willful and knowing violation of California Penal Code Section 646.9. 
Lastly Barclays is a knowing and willing partner with XXXXXXXX XXXX  XXXX in violating all the above, and now wants XXXX XXXX to provide the letter sent to XXXX ending the contract between those parties, XXXX XXXX has advised Barclay 's employees that the letter is a legal letter between said parties and none of Barclay 's business. thus Barclays is willfully and knowingly trying to unlawfully enforce a contract between the two parties in knowing and willful violation of the Consumer Financial Protection Act of 2010. Further these combined acts between partners XXXXXXXX XXXX  XXXX and Barclays is nothing more than two partners unlawfully attempting to extort money from old US Citizens, ( 65+ ). Shameful and corrupt acts.

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 2020-06-03
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was incarcerated on XX/XX/XXXX when a Discover Card account was opened in my name by my mother. I did not have knowledge of the account and I did not consent to her opening an account in my name without my knowledge or use. I did not apply for a Discover Card and I did not receive a Discover Card. I have never lived XXXX XXXX XXXX, XXXX, GA XXXX nor have I ever lived at a an address on XXXX XXXX, XXXX, GA XXXX. I informed Discover Card of the identity theft. I also informed Discover Card my mother applied for the card without my knowledge or consent. I also provided Discover Card identity theft affidavit ( s ) as well as a CitXXXX of XXXX police incident report stating I did not apply for or open the account for which my name appears. 
Discover card closed the account, however they reopened a separate account in my name refusing to remove the liability and {$17000.00} debt from credit reports stating I should have known my mother applied for a credit card in my name. I have also provided Discover with proof I was incarcerated from XX/XX/XXXX, XXXX XXXX, XXXX ; the fraudulent account having been opened XX/XX/XXXX. 

Please investigate this matter because I should not be held accountable for a debt fraudulently made for which I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BARCLAYS BANK DELAWARE
State: NY
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 have a credit card from BARCLAYS BANK DELAWARE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BARCLAYS BANK DELAWARE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BARCLAYS BANK DELAWARE with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023, and XX/XX/2023, XX/XX/2023. There was an error on their part. I was never 30 days late on these dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account does not belong to me. this account belongs to my ex husband or possibly identity theft. i have attempted to dispute this multiple times and the company has been extremely uncooperative. i would like this account deleted immediately.

Company response to consumer: Closed with non-monetary relief