BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: Experian Information Solutions 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:
I recently sent multiple letters to you regarding a number of accounts including accounts " XXXX XXXX, XXXX and XXXX Bank. '' I notified you of inaccurate and invalid late payments regarding this account and others and you failed to fix them. First off these payments are not just a violation of the FCRA but a violation of 15 USC 1666b ( a ) timing of payments. I also already received a notice from XXXX regarding the account and you should have been notified.

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 2022-08-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX 7 plus times into getting information on how my account XXXX came to reflect such information XXXX is reporting first day of delinquent XX/XX/XXXX on XXXX and first day of delinquent on XXXX XX/XX/XXXX which are both wrong this account went delinquent on XX/XX/XXXX when I ( COMSUMER ) closed the account without payment and never contact XXXX again to make any payment or any payment arrangements or gave my consent to update any payment info on said account. 

I am not asking for clarification on who owns the debt ( XXXX  ) I am asking XXXX  how did my account change from XX/XX/XXXX closed by consumer with no payment made all of sudden current from XX/XX/XXXX all the way up to XX/XX/XXXX or XX/XX/XXXX with on time PAYMENTS being report to Credit bureaus with out me requsting such change how is this possible? 

I also asked XXXX  who made these payments being reported and what method of payment used to make payments? 

even after XXXX admitted to making mistake on reporting information that they certified to credit beaures was accurate and was not still refused to removed account after countless flip flop of infomation! 


these is my last attempt to get information from XXXX  on how my account came to this satus... I will wait for XXXX  to respond before I file my case in court maybe if the XXXX ask XXXX  and clear it up.because XXXX has not been able tell me how these changes came about on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: United Revenue Corporation
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No contract with this agency. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-07-03
Company: PNC Bank N.A.
State: NV
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:
I previously submitted a complaint regarding this account, several times. I stated that I was a victim of identity theft. I saw in PNC 's response that I did not report the incident until XXXX XXXX. That was because I did not see the item on my credit report until then. I have been trying to dispute this ever since. There is also a statement made that my wife, XXXX XXXX verified information regarding this account, which is invalid as well, as her identity was stolen during this same time. So whomever it was that stole our identity apparently had her information as well to verify this account. Of course whoever the individuals were, they did not want to lose the account or jeopardize the account so it is quite possible there was a male and female to follow up. Nor I or my wife have ever called on this account. 

Also the statement regarding my mailing address of XXXX XXXX XXXX. Yes I lived there and obviously people who steal your identity steal your address, social security numnber and other identifying documents that try to prove they are the indvidual or individuals of the identity they have stolen. I never consented to or walked into a PNC BANK to apply for any account. I believe this application was submitted online. Unless you have my original wet signature proving that I authorized you to run my credit, and that I approved or consented to an account or physically walked into a bank, if there is one this account needs to be removed immediately. This negative account has been hindering my credit for years now, to where I can not apply for any other financial services or matters. 

Currently, your company is in violation of Section 813 Civil liability ( 15.U.S.C. 1692K ) ( a ), of the FDCPA.

Section 616. Civil liability for willful non-compliance ( 15.U.S.C 1681n ) ( a ) of the FCRA.

Section 617. Civil liability for negligent non compliance ( 15.U.S. C 1681o ) of the FCRA. 
This matter needs to be resolved or I will be contacting the FTC, my local attorney and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions 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:
Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still an account XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.

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 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below. After several conversations with the credit bureaus and capital one. I noticed that XXXX  fixed the errors, however, i still noticed the dilemma on the other 2 credit report agencies. 

XX/XX/2018 - 30 days late for {$5.00}??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account information incorrect

Complaint:
The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of XXXX. I did not. No mono was requested or received for education as a loan or XXXX. I was not attending any college, university or trade school. I was not a student at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been steadily paying my subsidized and unsubsidized federal student loans through multiple different debt collectors since XXXX. Now this month they have all been consolidated or owned by Navient, and there's a Private loan I do not recognize that says I owe around 6k. I graduated high school in XX/XX/XXXX and applied through Fafsa in XX/XX/XXXX, got my two checks around then, one was for tuition, the other was for books and supplies. The first was in the amount of about 1300 , the second check was an even XXXX XXXX This private loan information says I received a different check also in the amount of XXXX $ in XX/XX/XXXX. I do not recognize this loan, and have already tried contacting Navient twice through email, and twice by phone. Please advise on what to do. I was so close to paying off all my student loans, then they were all bought by Navient, now all of a sudden I owe XXXX!!! Something is wrong here. I believe through the practice of selling and buying our loans to multiple companies, a duplicate loan was somehow created. Also, the school is question in XXXX University XXXX, I could not find it on the list of schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX XXXX. I made a purchase using my Apple card. I purchased TWO items under the same transaction. One I took with me. The SECOND one was to be delivered to my home. The total amount for BOTH was {$140.00}. 
I never received the shipped item and I am requesting a reimbursement for that unreceived item, it amounts to XXXX plus tax. 

I later found out that the clerk at the XXXX store did not type in the correct address when placing my order. I know this because once i got a delivery confirmation email, I immediately called XXXX XXXX and asked what address it was delivered to. The operator read that address to me and that is not the address I gave to the clerk on XX/XX/XXXX. I have my receipt from that day and my address was not printed nor did the clerk read it back to me, I had no way of knowing he got the address wrong. My address was wrong by one digit. XXXX told me I would get a replacement sent out and never did. I was also told a " manager '' would call me and that never happened either. 

I filed a transaction dispute with Apple card on XX/XX/XXXX or so and explained this to the rep. but Apple disputed the WHOLE transaction, not just the missing item. I am not disputing the entire thing, I just don't want to pay for the item that was not shipped to me and that I did not receive. I am disputing the XXXX order # XXXX XXXX, REF ID XXXX in the amount of XXXX plus tax. 

After about 2 months Apple sent me an email saying my apple card was legitimately used and therefore I am liable for the whole thing or something to that effect. I called Apple right back and asked if I could appeal that decision. Apple asked if I had new proof and I said yes, I do. If you ask XXXX to document what address the missing item was shipped to you will see it's not the address I have on file with you. I only have one address for all purposes. I explained all that the first time around, so I feel like we're going in circles. They told me the only thing they can do is dispute it again BUT again they disputed the WHOLE amount. I don't think they understand the delivery problem or it's not getting transmitted for some reason. Also they don't care to look at my sales receipt. To recap : I know I made the purchase. I am not disputing that nor am I requesting ALL of the money back. I simply want to be reimbursed for the XXXX plus tax item that was not sent to me. Apparently when Apple clerks hit dispute, it only lets them select the whole thing and I don't think it's being investigated properly. IF XXXX is made to show what address this was shipped to, it will not match my billing address on file with Apple Card. I only have one address for all intents and purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2019, XXXX charged me {$16.00} for buying a game, but I was unable to download the game on repeated attempts because no matter how many times I tried downloading it, the estimated download time was 8 days 15 hours at 68 KB/s. I've attached the evidence with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CXXXX XXXX, XXXX XXXX and 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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A XXXX certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2017-09-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Violations of public policy have occurred in operation of this account. 
Information regarding all loans is reported inaccurrate. 

Total Loan Amount Original Terms and rate option Original signed contract from origination year XXXX to current year XXXX require immediate Validation. 

Lawful Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 am an American Express cardholder in good standing since the XX/XX/XXXX. I disputed with XXXX a charge incurred in XX/XX/XXXX on my XXXX XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I felt that I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. Basically, the hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

I provided all of the above information in great detail both in writing and orally to American Express. But XXXX closed out the dispute after simply contacting the hotel, which, of course, told XXXX that the charge was proper. No one from XXXX spoke with me, and XXXX clearly gave no consideration whatsoever to my to the clear and legitimate concerns. It is apparent to me that XXXX does not have a honest or real dispute resolution process that takes into account the concerns of the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: WELLS FARGO & COMPANY
State: CA
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:
Sometime in XX/XX/XXXX a Wells Fargo Credit card was sent to me in the mail. I don't remember applying for the credit card. Wells Fargo opened the card under my name without my consent. But I decided to keep the card open because of the cash back points. I mentioned this to a Wells Fargo Rep a few days ago, and they closed my credit card. Erasing a 3 year tradeline on my credit bureau & running down my credit. I called the Wells Fargo fraud department on Friday XX/XX/XXXX. And the Wells Fargo rep said they would rush a new card & that I would receive it Monday. Monday come around & I receive NO card. So I called the Fraud department back and they said that I would have to go into a Wells Fargo branch to show my ID. So I went into the Wells Fargo Branch on Monday XX/XX/XXXX with my ID 's. The Wells Fargo banker called the credit card support help. And after one hour inside the branch they said the card is closed. Wells Fargo has wasted my time, ruined my credit, and committed FRAUD. Wells Fargo is an unethical company. With unethically employees. They told be if I want the card back that I would have to apply for it. So I applied for it officially. And Wells Fargo declined me because the inquiries on my credit bureau. My credit is good, but they said the inquires is why the declined me. Wells Fargo will only approve me for a card when they fraudulently open one under my name. I have consulted with an attorney from my wife 's law firm who said if there is a case she will take it pro bono for the experience. If Wells Fargo does not resolve this Legal action is coming.

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 2019-07-03
Company: Experian Information Solutions 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:
I have two accounts that have been paid/ settled. XXXX/XXXX and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help me

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