BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: BARCLAYS BANK DELAWARE
State: KY
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:
My credit card account was closed several years ago and still has an outstanding balance. I've contacted the credit card company multiple times over the past few years in an attempt to pay the balance in full. The last time I called them, I was transferred more than 10 times and was on hold for a total of about 4 hours. Every time I've called I have been advised that they can not take my payment because the account has been charged off/sent to collections but they aren't sure if it has been sent to an outside collection agency and, if it has, they don't know who it was sent to. 

I am not disputing the amount that they are reporting on my credit report that I owe and I've been trying to pay this bill in full for several years but they continue to tell me that they can not process my payment. In the meantime, the account continues to report negatively on my credit report. 

I am willing to pay the balance in full but I believe the negative reporting to the credit bureaus should be removed since I have tried so many times to pay them and they will not/can not accept my payment. 

I am unable to provide an account number because there isn't an account number listed on my credit report. I have requested that they provide me with my account number every time I have contacted them and they say they can't give that information out over 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 explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: MD
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Harley Davidson Financial Services Inc
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Harley Davidson Financial has been calling me everyday all day repeatedly. I called them and made payment arraignment. They are still calling and harassing me. I told them that they are harassing me and they said according to my contract that they are allowed to call me up to XXXX times a day. I told them by law it is still harassment and they called me back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: WI
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 have submitted several disputes with experian one on XX/XX/XXXX and another on XX/XX/XXXX information regarding my student loans is still inaccurate and has been updated by both 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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 have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies delete the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX have violated my rights. 

15 u.s.c 1681 section 602 a. states I have the right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-07-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on saturday XXXX XXXX 2017 i deposited my tenants TD bank account check for {$7700.00} into my TD bank checking account. on sunday it said the funds were pending. on monday it said the funds were pending. on tuesday morning the funds cleared and were deposited into my account. i needed to write checks out so to be sure i called the banks customer service line and they said the funds were from a TD account to a TD account and they were in there go ahead and write your checks. i then proceeded to write out checks and send them out. that night i went into my account to transfer funds and noticed my account was in the negative. i called customer service and they apologized and said i should go to speak to the bank. i went the next morning and they were sorry but said they should have never said to write my checks.i said the funds were cleared to my account that i should n't be responsible, they should. I feel they should be going after the person who wrote the check since she is a TD bank customer and it was a TD bank account and they cleared the money. This is n't a small amount I can make good on. Why should I have to make good on the monies and go after her when they told me the funds were OK to write checks on and use and I have proof the funds were cleared in my account. even in the overdraft letter they sent me it states the funds are usually available the next business day unless an extended hold is placed and that the deposits show as pending until the funds are fully available for use. another customer service rep called me wednesday to apologize and say they will use my case in training. i told them they should be going after their client since they cleared the funds not me and it was n't right i should have to scramble to make good on the checks i wrote. they said they would credit my account for the trouble {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Nelson Cruz & Associates LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/21 stating I owed {$3000.00} from Nelson Cruz and Associates. The company they represented, XXXX XXXX, is the claimant. 
I have never had any services rendered from this company. I sent a letter ( attached ) demanding they remove my name from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting 2 accounts incorrectly to Experian. I have filed over 20 disputes and each time they verify the account is reporting correctly. I have asked Experian to provide me with a copy of how they validated what XXXX is reporting. They have failed to do so. I have asked XXXX to confirm my account history. They have failed to do so. I have now found my original receipt which confirms these accounts are not reporting accurately. I would like both removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Personal information incorrect

Complaint:
During XXXX, I noticed that there were unauthorized accounts on my credit report that weren't opened by me. I filed a Identity theft report. All matters regarding those accounts have been resolved. Experian has since blocked my credit report and will not allow me or other creditors to access my report. Also, when I have been approved for other credit based on the evaluation of other credit bureaus such as XXXX or XXXX, Experian has notified creditors that there is identity theft on my credit report and this has resulted in accounts that I have been approved for being closed. 
Recently, on XX/XX/XXXX, I purchased a new XXXX from XXXX XXXX. I submitted the application with my state issued identification and other required documents and I was approved at the dealership. The transaction was complete and I drove away with the car. However, I was notified on XX/XX/XXXX, that due to identity theft reported by Experian, I would have to complete a identity theft affidavit and XXXX XXXX demanded that I turn my car in to them. 

Please help me to resolve this issue. Experian has created so many difficult situation for me regarding credit. I have tried to contact them and have them to remove any fraud alerts and remove the identity theft status from my credit file and they will not respond. If Experian has my file in their consumer affairs department and they have my file blocked, they need to remove my consumer credit file from their consumer affairs department and unblock my file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: NE
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:
As a victim of ID theft and Fraud, it puzzles me as to how a reliable credit reporting agency such as Experian can be so negligent in their reporting. I've been disputing an address on my credit report as FRAUD for several months now. I have NEVER lived at this address, used this address, or been associated with this address. I've written multiple letters begging them to remove it as it is clearly associated with fraud and all they do is claim they updated it to a different apartment number. I am done asking nicely and am ready to pursue them in a court of law for their multiple violations. 

Most recently, I submitted several disputes to have several creditors updated to included in bankruptcy. I sent documentation with these disputes. Because I had disputed some of the accounts twice online, I was told that I would need to submit documentation. I submitted the documentation on XX/XX/2019. Experian FAILED to process these disputes. Additionally, the disputes they have processed were not processed accurately and now those accounts are not only a violation of the FCRA, but are now violating the US Bankruptcy Protections. They allowed the creditors to update the accounts with further inaccurate damaging information which dropped my credit score 100+points. Creditors do not get to pick and choose whether they want to be included in the bankruptcy or not. Experian is giving them a choice despite the documentation provided to them and the verified bankruptcy filing. This is illegal and I will not stand for 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 2018-12-03
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has been more than 30 days since my dispute with Professional Debt Mediation Company and  they have not provided the information as requested. In my last complaint they said they needed more time. They have received an additional 30 days already. They havent provided it because they can not prove it because I dont owe it. I am requesting that they follow the law and immediately remove this from my credit report since they can not verify the debt. They still have not furnished evidence of a certified letter being mailed to me. Because it was never mailed. I do not owe this money. Please have them remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-07-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I contacted Equifax on XX/XX/2021 requesting to verify the accuracy and compliancy of XXXX XXXX XXXX XXXX # XXXX It has been more than 30 days and I have not heard back from Equifax . Equifax can not verify this account. I want this deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was doubled charged on my debit card for a purchase I made 15 days prior which I paid in full, I've already had overdraft fees and charges refused on my account from auto-pay accounts that I have. This is a problem that the company has been aware of and has taken no steps to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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 Bmo Harris Bank allowed for an individual to go into a XXXX branch and make two with drawls for the amount of {$7200.00} total using my name birthdate and Social Security number that I did not authorize and was not there for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MERCHANTS & MEDICAL CREDIT AT XXXX XXXX XXXX XXXX XXXX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$50.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
State: AL
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 purchased an international plane ticket using Citibank 's " Thank You '' points last year ( Trip ID XXXX ) travelling XX/XX/XXXX -XX/XX/XXXX from XXXX to XXXX. The flight was cancelled when the border to XXXX was closed. I received a travel certificate with XXXX XXXX good through XX/XX/XXXX ( later extended to XX/XX/XXXX ). When I tried to redeem this certificate a few weeks ago, I was told it was no longer valid, because the purchase had been refunded through the travel agent I used ( Thank You Points ). 

I contacted Citibank and the Thank You department and after speaking with multiple staff over several days was told that Citi had closed the Thank You points account because I was not using the credit card recently ( this is true ), and that because I didn't rebook within 60 days I lost the points. However, I had no knowledge that a refund was made or that there were any points in the account. 

I explained how this was a ticket I had earned, and I did not request it to be refunded, and I should still be able to take this flight that I had earned, and was told that the only way to have access to the points is if I opened another Citi credit card account ( my THIRD, # XXXX XXXX XXXX XXXX XXXX note : account was never used and is now closed due to deceptive promises Citi used to encourage me to open it ).

I applied and was accepted for this account, received the card in the mail, then when I called to have my Thank You points credited to my new account, after multiple transfers and talking to 7 different representatives was told that they can not do this and they are forfeiting my points that I earned for my international flight. 

See attachment for clearer summary and timeline. My Thank You member ID is XXXX XXXX XXXX XXXX. The flight was booked XX/XX/XXXX and a XXXX eCertificate issued in the amount of {$320.00} with an expiration XX/XX/XXXX ( eCredit XXXX ). On XX/XX/XXXX a refund was issued by XXXX to Thank You and Citi states that my account was closed on XX/XX/XXXX. In early XXXX, I attempted to use the XXXX eCertificate and discovered what had happened and attempted to retrieve my Thank You points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 I was unable to locate a toll free number to contact LexisNexis via their website. According to [ 15 U.S.C 1681 ] 604 ( 5 ) ( B ) Establishment and maintenance as compliance. This section addresses consumer reporting agencies and affiliates compliance with maintaining a toll-free number for consumers to contact. 

Thanks for your attention on this matter.

Company response to consumer: Closed with explanation