BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: Medical Data Systems, 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:
Medical Data Systems , Inc is reporting multiple inaccuracies to XXXX. The date of delinquency is incorrect. The last payment date is incorrect. The debt was never validated but I paid it because I didn't want my credit to be affected. MDS never provided me with detailed bill. They just put the collection account on my credit report. Filing complaint with CFPB as well and the Attorney General of FL. 


XXXX  continues to allow them to report multiple inaccuracies without proper investigations. XXXX  is also blocking me from receiving the results of disputes online and they do not mail out results. I have to call them to get results. I also requested my credit score over 30 days ago and have not received it. I plan to sue.

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 2023-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi This is XXXX XXXX. I have to report against Transunion, I have no payment missed in last 6 years, still Transunion discriminating me and not updating my profile. I have whole credit report and did not show up any missing payments but recently I have applied it shows this Delinquent or derogatory status on accounts is too recent Too many bankcards with high balance compared to credit limit Not enough available credit on revolving accounts Lack of first mortgage account information It is also showing 31 % Credit usage, why delinquent account too recent, XXXX, XXXX does show other issues but never showed delinquent and Transunion keep dropping my score without any warning, I have never missed any payments as XXXX  and XXXX  in last 5 years, why Transunion reporting wrong information to creditors or lenders? in last 6 years never missed any payments, XXXX was in collection but has been removed, no medical bills I owed as I got annual credit reports. TU is keep lowering my score and they have big variations in their score calculations as compared to XXXX  and XXXX. TU is just  discriminating me and informing lenders " DELINQUENT OR DREGATORY STATUS ON ACCOUNT IS TOO RECENT '' Can TU explain where is " TOO RECENT ''? All three bureaus are discriminating people and not reporting correct information. Investigate this matter immediately.

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 2020-09-17
Company: BARCLAYS BANK DELAWARE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX XXXX : XXXX To whom it may concern : On XXXX XXXX, I sent a certified letter to Barclay 's about this account.This certified letter was signed for on XXXX XXXX. This letter advised them that the account was discharged in bankruptcy and that they had illegally sold this account to a collection agency. I called Barclays on XX/XX/2020. Barclays responded by telephone that this account had been sold to a company call Unifund. I contacted XXXX, and was advised by them, that they do not own the the stated account. I have also disputed this account through XXXX   and XXXX, and it comes back as verified and correctly reporting. 

Who owns this 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 2020-09-17
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported  to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and  collection agency will be appreciated under the current circumstances. 
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 2020-09-17
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Became XXXX  XXXX in XXXX. 
Filled XXXX forms to relieve debt ( XXXX discharge ). 
Had XXXX  fill out forms and submit. 
Waited the 3 years to confirm XXXX  XXXX. 
Had all student loan debts discharged - except from Greater Lakes Higher Ed. 
Every year since XXXX, had to contact lender and resubmit process. 
Every year debt not discharged, but new collection company contacting about debt. 
Every year explain to collection agency, explain to loan holder, restart process. 
Now been years since debt was discharged and no resolution has occured. 

Total Amt owed : {$410000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have an XXXX account which is through XXXX via XX/XX/XXXX. On XX/XX/XXXX, {$250.00} was taken out of my account without my authorization. After 13 calls the bank is unable to find out where the dollars went and have since locked my account from me getting my money. I have no access to the dollars and they can not explain where the {$250.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX failed to provide documentation due to it's have the wrong social security on file does not have state identity card number by government law wrong personal use my personal information with a different social security number these should be removed off my credit report should not be reported no more

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 2022-12-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my credit card account on XXXX In the letter Chase sent to me, they claimed they closed my account because of 'suspicious activities. ' I contacted Chase by phone and in person to find out what suspicious activities were, but they said it is confidential and they can not tell me the details. I also said additional information can be provided if they suspected any activities on my card, but they refused. I used that card to shop on XXXX and all transactions can be tracked, so I'm not sure what kind of suspicious activities could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to report that Equifax has continued to allow fraud on my credit report. I asked them to remove the creditor, XXXX, in the amount of {$72.00}. I do not know of this creditor. I do not have knowledge of this creditor. I have had no dealings with this creditor. This does not belong to me. This is a fraudulent account. It is fraud. The address is also incorrect. I reported the fraud to Equifax and they still have not removed. I have no other collections on my credit report, except for that {$72.00}. And no other credit agency I reporting this in my report. I am requesting that Equifax please remove this creditor and amount from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, I am XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

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 2023-06-25
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX 15 U.S Code sec. 1681c-2 commands a consumer reporting agency Shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!!

These accounts should not be furnished in my consumer report [ a ] in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXQUAFAX 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Lexis Nexis is reporting XXXX items on my report that do not belong to me and is causing me to be charged for items that are not mine. 
They are the following accidents that are not from me. Please ask them to remove immediately and refund me the difference in premiums paid. We run third-party reports to validate your quote and found a few things that updated what you entered. These affected discount ( s ) on your quote. 
View the Updates Your driving information has changed.

The information you entered during your quote does not match the information we found on your driving report ( s ) : XXXX XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX Comprehensive Claim {$1000.00} or less on XX/XX/XXXX Listed on XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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 explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}

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 non-monetary relief
Consumer complaint received 2019-07-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At such a young age a made a mistake of signing a lease for a apartment without knowing better, did not have the apartment for not even a month no rent was ever paid, I lost my vehicle and job at the age of XXXX   and could not keep the apt by the time I realized what was going on and how it would affect my future it was too late I would like this please dropped for the reason of only being in possession of this apt for a month and not receiving the right direction of action to take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BARCLAYS BANK DELAWARE
State: NY
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 purchased a XXXX XXXX ( operated by XXXX  ), at a XXXX XXXX ( operated by XXXX ) for XXXX on XX/XX/2022. 
The card was activated properly at XXXX. However, the card itself was defective, and I could not access the funds on the card at all, or check its balance online, no matter what I tried. 
I tried getting a refund from XXXX, but they confirmed the card was activated properly and told me to get in touch with the card servicer directly. 
I entered a dialogue with XXXX  the card servicer, but after much back and forth they flat-out refused to refund the card or issue a replacement, saying they did not sell cards at XXXX, an outright lie. 
Barclays was much more helpful, and issued a provisional credit and started an investigation after I opened a dispute. 
However, their initial investigation only dealt with XXXX XXXX who correctly provided documentation that the card was activated properly and that they do not issue refunds on gift cards under any circumstances. 
The Barclays representatives I spoke to understood that the problem was more complicated than this, and accepted new documentation from me on XX/XX/2022, a couple of days after their initial finding came in the mail. 
Unfortunately, Barclays posted the transaction to my account again after their initial finding, even though I provided their requested documentation and the representative told me explicitly the information I provided was enough to win the case. 
It has been more than two months since I provided more documentation, and the charge is still on my card, accumulating interest. The representatives don't have me any additional information whenever I call, besides a verbal confirmation that all my documents are in order and they don't need anything else.

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 2018-03-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When I first Got approve for A XXXX card my credit limit was {$1000.00} and then 2 months later they decrease my credit limit down to {$100.00} and said the bank did it because of delinquent payments on my credit which is not true because I do not have any delinquent payments on my credit I pay all my stuff on time. I think it is unethical for this bank to falsify false information that is not on my credit.

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