BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: DE
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:
Thank you for using the XXXX XXXX XXXX  's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX Filed against : Experian Credit Report XXXX. XXXX  XXXX XXXX TX XXXX Complaint Description : I have contact Experian several times on inaccuracies that they are reporting and they refuse to correct with proof I have provided. I have court Judgement against XXXX XXXX, XXXX and have never been late on any payments. Experian has me at a low credit score which is their was of harassing US consumers. I have NO DEBT nor credit card XXXX. All my living expense Bills are paid in full ever month for at least 30 years. They refuse to correct my credit history, credit score which they say is FAIR and continue to harass US Consumers.

Your Desired Resolution : Do their JOB as they are suppose to be doing in correcting their mistake and sop harassing US consumer by not correcting their inaccuracies in credit report. They need to employ much better train employees. 

This case will be reviewed by a complaint specialist at the XXXX XXXX XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded. 

What would you like to do next? 
View the status of your complaint Return to the XXXX Homepage XXXX  Privacy Policy

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 2019-07-16
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online for a XXXX XXXX Mastercard by First Bankcard on XX/XX/XXXX. I received notice of a decline promptly on line. Thinking there was some sort of error I called XXXX on XX/XX/XXXX which was a phone number they provided for such a situation. I was informed by XXXX I would receive a letter in 7-10 business days detailing why and that I was turned down due to a prior bankruptcy and too many credit inquiries. I did finally receive a letter dated XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. It did not site a prior bankruptcy. I did have a personal bankruptcy but it was discharged in XXXX and should not be part of any current credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a XXXX XXXX  XXXX  account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external Barclays Dream Account. On XX/XX/2019 Barclays notified me that an item had been returned. I subsequently called XXXX Customer service and was told that the transfer was marked as potentially fraudulent and that XXXX had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from XXXX asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from Barclays indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my Barclays account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from Barclays indicating that an item had been returned and an email from XXXX indicating the transfer could not be completed. XXXX automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called Barclays customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a Barclays suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with Barclays and that I should call XXXX to request they investigate the same. 

I called XXXX Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives,  the last who told me that the funds were in XXXX 's system and possibly hadn't yet connected with Barclays ' system but could not tell me a date this would be resolved. 

I called XXXX customer service on XX/XX/XXXX and was told the funds were not with XXXX and to call Barclays. XXXX offered to wait on the line with me while I called Barclays customer service, but eventually told me they could not continue to wait and hung up.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that XXXX XXXX  loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

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 2020-02-24
Company: EQUIFAX, INC.
State: MN
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:
XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that Tuition Answer loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
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: Information belongs to someone else

Complaint:
I contacted Transunion today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 15 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified transunion of this. I asked Transunion to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Transunion is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, 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 explanation
Consumer complaint received 2020-02-24
Company: CITIBANK, N.A.
State: LA
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:
We were out of town for my grand baby funeral about a week later.I turn on my answer machine.I heard a message from Citi Sears Shop Your Way Master Card they stating that my card was used possible fraud Charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card.The balance is {$1000.00}. I kept calling them to reopen the claim they gave me a fax number.I faxed them twice I still didn't hear nothin from them.I called Citi Sears Shop Your Way Master Card yesterday XX/XX/XXXX to ask her what date this all took place on she said she didn't see a date to give me. I would say some where around XX/XX/XXXX.I made a payment XX/XX/XXXX for {$28.00} I made another payment in XX/XX/XXXX for {$34.00} I couldn't understand why the payment went up.She told me the case is still being processed, I said why I am paying on fraud charges that's not process yet she said Iam not surppose to be paying nothing. I get a bill every month with fraud charges on it, the bill never been adjusted.and nobody letting me know what's going on.I had a XXXX  balance before all of this happen.Thanks in advance.

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 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My Daughter and I went to a XXXX XXXX in XXXX, WA. XXXX XXXX XXXX had a booth and a sales rep that basically made a HARD Sale. I purchased one of the beds and the mattress cover that was required in order to not void their warranty. The next day my husband and I decided to cancel the purchase and contacted XXXX XXXX. The bed was cancelled and we thought the entire purchase was voided. A few weeks to about a month went by when we received a package from XXXX XXXX. It was the mattress cover ( s ) for the bed we cancelled. We tried to deny the package, but the driver wouldn't take it back. I called the XXXX XXXX I had used before but was told they were not returnable. I never understood this. I attempted to contact another number but never got anyone that would explain why the entire purchase wasn't cancelled since I called the next day to cancel the entire purchase. I still have the mattress cover ( s ) unused in the original shipping box ready to send to anyone from XXXX XXXX. Instead of accepting the covers back, they chose to add additional charges and send my account to collections where we now have debt collectors from other companies harassing us daily. The original amount for these covers was {$260.00}. Now after looking at my credit report it's ballooned to {$500.00}. All I want to do is return these unused mattress covers for a bed we never got!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX, I sent in dispute letters to all three credit bureaus. Equifax is the only company that has not responded to either time I sent in dispute letters. The other credit bureaus responded within 30 days, and also removed the information I disputed. The accounts I disputed are listed below. Please note that these have all been removed from the other credit bureaus XXXX  and XXXX, thank you. 

XXXX XXXX XXXX XXXX - # # # # # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Reliant Capital Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had first heard from this company around XX/XX/XXXX. I had not prior heard from anyone else concerning student loans. They turned me into the Department of Treasury for Federal offset student loans that were non federal but on a Federal promissory note. I had asked them several times over the course of XXXX to show me how i owe federal student loans or any loans they just kept sending a statement and this promissory note. As you look at the promissory note there is many questions as it appears information was just transposed on a Federal form to deceive the Department of treasury. I was withdrawn from XXXX University XX/XX/XXXX yet they have May loans listed starting XX/XX/XXXX. This whole situation is an absolute mess why did they wait 10 years to start this any private loan which I did not receive would be out of the statute of limitations so is that why information was then transposed to a Federal form. If you look at the information on the form there is nothing federal about it XXXX XXXX  is a private entity as was XXXX XXXX I just want some answers and the truth told to the Department of Treasury who did in fact take my taxes based on false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
REMOVE FRAUD ALERT

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 2019-05-14
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX ) was able to negociate a settlement with an account that was delinquent ( Best Buy/Citi account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people XXXX XXXX XXXX, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent XXXX a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.

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 2021-03-24
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making overpayments on my loan with GM Financial in order to pay down my loan principle. GM Financial is only applying these items as credits towards my future payments essentially making my payments and interest free loan to GM Financial. I have asked multiple times to have my overpayments applied towards principle with no help or confirmation. I can not reach an in person representative and feel GM Financials practices are misleading the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  NXXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.

Company response to consumer: Closed with explanation