BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : BARCLAYS BANK DELAWARE Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

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 2019-04-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit Reporting Company : TransUnion Issue Credit score drop of 36 points as of XX/XX/XXXX Reviewed TransUnion Credit Report, purchased credit score. 

Contacted TransUnion by phone, they were not able to explain why my credit score dropped 36 points. There has been absolutely NO change in any of my accounts. 
Tried to reach a supervisor, was disconnected. They said a Supervisor would call me back. No call back. I called again, this time person would not connect me to a supervisor. Their attempt to answer why my score dropped does not make sense. 

They tried to day it was because some of the companies have not reported. I have no control over when a company like my mortgage service company reports. 
I explained over and over that there has been NO change to my payment history, amount of outstanding debt, or anything that would affect a 36 point drop in my credit score. 
There has been XXXX change in my Mortgage Servicer. XXXX sold their contract to XXXX XXXX   XXXX. So beginning XX/XX/XXXX my I will be making my mortgage payment to them. That change should not affect my credit score. The service reps at TransUnion have no idea what they are talking about and refused to connect me with a Supervisor.

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 2018-03-25
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:
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: LA
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:
The reporting agencies have over ten department of education files on my credit report.

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 2021-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian refusing to update my account with XXXX XXXX XXXX XXXX. First dispute sent XX/XX/XXXX requesting the information be validated or removed. Experian was report 28 consecutive months as " CO ''. Reply the information was accurate. Continue to sent dispute from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Last dispute reply file was update to change the " CO '' from XX/XX/XXXX to Current date of XX/XX/XXXX restarting the statue of Limitations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I don't recognize these inquiries, i have never applied for these companies.

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 2019-04-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had been victim of ID theft, and therefor many accounts were opened under my name with out my knowledge, and my credit was XXXX beyond my imagination that such thing can really happen. 
i have tried to call the creditors and also the bureaus all three of them but XXXX and XXXX were a little helpful except equifax who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX XXXX   and equifax. please have these fraud accounts removed from my credit file thank you and XXXX bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
loan is showing late payment ... .payment was never late

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 2020-11-06
Company: Plastiq Inc.
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:
Hello. This is a follow-up case to a previous CFPB investigation ( case ID XXXX ). Merchant PLASTIQ concluded the previous investigation and agreed to issue me a refund for a failed delivered cheque, whose payment ID was XXXX. In the resolution, Merchant PLASTIQ provided a credit slip but after a prolonged waiting, I have yet to see the refund showing up on my credit card. I contacted my credit card company XXXX, and they claimed they had *NOT* seen any refund in the amount of {$1200.00} incoming to their Visa network, from PLASTIQ. Therefore, I'm raising a follow-up case to investigate the refund process, and if the funds had been sent down to XXXX ( i.e. refunding a charge on my credit card ). I am including the statement copy of XXXX, up to today, for reference. If a credit card refund is not feasible, please mail a check payable to the cardholder, XXXX XXXX, to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX. Alternatively, please direct deposit the refund to my checking account with routing ID XXXX and account number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXXXXXXx XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Real Time Group, 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:
A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. 

Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 I noticed two fraudulent charges on my Barclays credit card. On the same day I called to let them know. After speaking with the representative, who researched the matter and told me it appeared to be fraud, I was told the charges totaling {$190.00} ( {$100.00} & {$99.00} ) would be reversed from my account. Additionally, they issued me a new card. I kept reviewing the account activity on my phone to see if or when the charges would be reversed. On XX/XX/19 I wrote to them in order to protect my rights and put in writing and memorialize the events. As of this writing, I do not see the two fraudulent charges reversed.

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 2019-04-16
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Security Credit Service added a collection debt back onto my credit on XX/XX/2019 after it was removed without proper notification which is illegal. The amount was XXXX that was added without notifying me of that a collection would be added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: SC
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:
there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX  XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
Also, the identical XXXX XXXX XXXX account is being reported 3 times. This is severely misleading I make 1 payment each month I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that 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 2019-04-16
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was contacted by this company about a private student loan by XXXX XXXX. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt. 

She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute. 

I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove 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 2019-04-16
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:
I had been victim of ID theft, and therefor two XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was XXXX  beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus TRANSUNION who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX  transunion and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless 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 2019-11-16
Company: KEYCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I complained to CFPB a few months ago about this issue, I just received a statement where I 2 payments posted and they took {$130.00} for interest. My payments are {$170.00}. When my payments cross and post together Key Bank take 75 % for interest. 
Key bank is double billing interest the charge don't match the rate.

{$170.00} x 2 = {$340.00} Key bank took {$130.00} interest.

My payments posted less than 20 days apart XX/XX/19, XX/XX/19. 

Due date is XX/XX/19 however, no payment due. The next interest will be {$200.00} if I don't pay them before XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Old information reappears or never goes away

Complaint:
I have had XXXX on my credit report since 2012. Its been closed but some collections company is trying to reopen the account by just changing the date on the report. Ive contacted them telling them they cant do that. and transunion wont take it off because from whAT they see it was opened recently but its almost ten years old. I need this taken off my transunion account its affecting me still and its not fair its not supposed to be on my credit info anymore

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