BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and XXXX, requesting for the deletion of inaccurate, unknown accounts on my credit reports. 

Specifically, a company named Kay JewelersXXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX, XXXX, and XXXX. Kay Jewelers/XXXX sent the account referenced above to a collections agency named XXXX XXXX XXXX XXXX in XX/XX/XXXX, for the amount of {$420.00}. 

I have never opened an account with Kay JewelersXXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX   updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX   updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. 

I was curious as to how Kay JewelersXXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to Kay JewelersXXXX, XXXX, XXXX and XXXX, requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. 

I have not received any responses from Kay JewelersXXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: LendUp Loans LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per the FCRA, you are required to provide complete and accurate information to the credit reporting agencies. In regards to complaint XXXX, you referred to my account as a loan, not a credit card. This is blatant misinformation and is potentially illegal if you are referring to my account as a loan to the CRAs. This needs to be correct and the late payment on my account needs to be removed immediately due to your company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2020-12-03
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Never told me bills was due. Signed up for email alert.Never received. They sent me a bill past due in the mail.I did receive a call a few days ago to call them. Tried it, they just advertise for different kinds of loans.Cant get a person on the phone.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, TransUnion, and XXXX  ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/XXXX, TransUnion and XXXX says I have an on time payment.

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 2019-08-22
Company: Avid Acceptance, LLC
State: CO
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:
Ok so the vehicle in question was in a recall for emissions fraud XXXX XXXX XXXX buyback. They Settled for a fix amount for a fixed time period. And a fixed mileage. This company knowing this was trying to get me to pay during the time for the time it took for payout of the vehicle. As you see the vehicle is paid off in full because of the buy back program agreement. I hadnt missed a payment until the settlement was finished. This company avid pressured me everyday for payment doing this time. I refuse to pay twice for a vehicle that was being paid in full so they Decided to report me during that time in question. And again I disputed how is that fair credit reporting. It my be close but how they reported this is absurd. But it ok you guy keep siding with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: I.C. System, Inc.
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:
IC system XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of {$810.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
I was requested to submit additional documentation by Barclays 2 months ago in order to regain access to my accounts. Documentation was submitted to the satisfaction of the lender, yet I have yet to have my account unrestricted. I spoke with multiple representatives that assured me this had already been done, yet this hasn't happened yet. 

Today, XX/XX/XXXX at around XXXX XXXX  EST I once again contacted Barclays to have all my cards unlocked/unrestricted, 18 minutes into the call a customer security representative tells me he is on hold to resolve this matter and that he can not have my on hold for longer than one hour. I politely explain to the representative that I need this resolved today as multiple representatives have assured me it's already resolved when it is not, and tell him one hour is actually 60 minutes and we are far from that time frame. The representative hangs up on me rudely.

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 2018-10-19
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made some large purchases and then suddenly the bank closed my account so I can't redeem the cash back anymore. I should be getting {$350.00} cash back from the 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 2019-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital one platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX  but not XXXX or XXXX and it dropped me over 30 points that it shouldn't have. And now XXXX and XXXX  are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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:
Diversified Consultants is currently reporting on a debt, in the amount of {$670.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX. XXXX XXXX XXXX does not own the debt. I have a contract with XXXX not Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: eToro USA LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Banking does not allow me to connect card to online platform I use to invest. I use the application etoro  which is powered by XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called the phone number back that has been calling me daily for weeks now ( XXXX ) only to hear a prerecorded message stating that it is Sequium Asset Solutions attempting to collect a debt. There are no outstanding debts for either myself or my husband, with the exceptions of our home, cars, student loans, and credits cards, all of which are up-to-date on their payments. I believe these phone calls to be an attempt to extort information from me due to my having good to outstanding credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the XXXX  data breach and may have been placed in the hands of the wrong person.

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: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I called Experian because for a year now I have not been able to get my credit report or score online. I was told several times that I could not get my score or report because my identity could not be verified. I was not able to get it through XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, or any other scoring and reporting company. Each time I have applied for credit with a company that uses Experian to pull reports, I have been denied due to insufficient credit history. I keep getting the same issue and response about not being able to have my identity verified. Yet when the XXXX  breach occured, I mailed a letter with my verification documents ( drivers license and utility bill ) and received a report via mail with no problem. I would like this issue resolved ASAP as Experian keeps telling me they don't know what the problem is after I pass all of their identity questions on the phone. I mailed in verification documents again with a letter stating the issue and that I am verifying my identity. The issue has not been resolved. I applied for a credit card with the XXXX XXXX XXXX XXXX in XX/XX/XXXX and with XXXX in XX/XX/XXXX and today ( XX/XX/XXXX ). The response was denied from all creditors because of insufficient credit history with experian. I have had credit since XXXX when I turned XXXX XXXX XXXX. I have XXXX  years worth of credit history on my report with all XXXX bureaus.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I use XXXX as a credit monitoring service so I get an e-mail every two weeks. On XX/XX/2020 my credit score was shown to be XXXX. On XX/XX/2020 it dropped to XXXX for no apparent reason. Nothing had changed on my side of the equation. So I called Experian and elevated my complaint to a supervisor and was told for some internal Experian reason my data file was split causing all of my open and closed accounts to be erased. No open accounts, no payment history, no account mix, nothing. When in fact I have two open mortgages, two car payments, and a couple of credit cards and some other open accounts. So they said that they would fix it in 3 to 5 business days. I waited a week and nothing happened so I called again. This time they could see the split data and would escalate the call to repair my file in 24 to 36 hours. That was a week ago. I have worked hared to earn and maintain my high credit score and I want my data restored with some explanation as to what happened. These folks are just playing around with our lives and our business and they don't seem to care at all. Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from 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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I rented a car from XXXX XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at TransUnion by XXXX XXXX XXXX XXXX XXXX. I provided a copy of my invoice and credit card statement to TransUnion and to XXXX XXXX XXXX XXXX XXXX. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. XXXX XXXX keeps verifying that the charges are accurate to TransUnion, where I am disputing the charges. 

I have only rented from XXXX that one time. These are the only charges that I have incurred from 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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the XXXX  data breach and may have been placed in the hands of the wrong person.

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 2018-10-19
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet Nelnet has been asked to provide proof of All loans for account Account : XXXX and has not Nelnet has been asked to provide validation of All debts Information regarding approval and validation needs to include accurate information that matches information reported to CRAs for Account : XXXX and has not NELNET has been asked provide records of All purchase of loans from other companies for Account : XXXX and has not Nelnet Per FDCPA this Must be provided within 30 days when requested and was not has in over 19 ( by own admission ) instances to the CFPB and Company asked for information that is reported incorrectly on Credit Report to be removed or changed This has not happened Nelnet has violated FCRA by failing to provide accurate and timely information to a CRA Nelnet has violated Federal and State Negligence Laws by failing to act in a manner consistent with a negligent act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency TSI-TransWorld Systems Inc. is trying to collect a debt for a landlord ( XXXX XXXX, prev. XXXX XXXX ). Landlord & I were litigants for referenced debt which involves Security Deposits I paid and damages landlord alleges. I, the consumer, won the case but the Landlord had already placed the debt in collections and ( to present date ) still refuses to allow the debt removed from my credit files. TSI indicates Landlord did not respond to several attempts for information. TSI will not remove debt because they want to be paid from Landlord or consumer. I have the Case History from the Official County Clerk website, showing I won the case and this debt should have been removed from my credit files in XX/XX/2021 after the Judgment was entered. For over 4 years, I have tried to get XXXX XXXX and TSI to remove the debt but they both refused. This bad debt with collection agency has had a detrimental effect on my credit score and my ability to obtain desired housing. Each time I tried to resolve, TSI informed that creditor ( Zone ) has 30 days to respond but informed me creditor does not have to respond at all. This is unfair to me as a consumer. They should have to respond or remove the debt entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

09 XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX 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