BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: DISCOVER BANK
State: NY
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 can not cancel a gym membership and I am being charged

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing this complaint against  COMMONWEALTH FINANCIAL . They have not responded to correspondence of having a duplicate account on my credit report and not providing any information as to the debt. I am requesting that both accounts be removed immediately from all  XXXX  credit bureaus.   {$1100.00}  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: U.S. BANCORP
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a US Bank XXXX XXXX account on XX/XX/2023. I used a link to an offer that I received a targeted promotion for. The offer advertised a {$500.00} sign-up bonus after completing eligible transactions by August. I successfully opened the account and completed all relevant transactions, and gave it more than a month past when the advertised offer said the bonus would post, but I still have not received a bonus. When I called to inquire, the representative said there was no record of the offer being on my account. I will be forced to close the account if US Bank fails to honor the advertised offer.

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 2023-08-08
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against These Agencies regarding a late payment on my credit card account. The following accounts are listed below XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX 
Account number : XXXX Late Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe. 

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX 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 2022-11-22
Company: ALLY FINANCIAL INC.
State: PA
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:
There are 48 inquires on my credit report that I have no knowledge of starting from XXXX until now.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: WA
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2018-10-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Its hard to believe that after 19 long months fighting these masters of technicality, they are still causing me problems. You have on file some of the problems I presented many months ago but they never quit! They are corrupt and I have proof! Even to the point of the final signing with my ex-spouse, they fought. Signatures on XX/XX/2018 were initially rejected, after they were rejected a week before and forced us back before a notary. Yet, when I called no one could spot anything wrong with the signatures!! They insulted the integrity of the bank notary, myself and my former spouse. A XXXX, in their Ombudsman dept. did ask for a " Why '' on the second notary signing and it was overturned. One person in 19 months that actually helped me, ONE. Now, after all this, Ocwen received my XX/XX/XXXX payment on XX/XX/2018 and that's when they actually accepted the signatures. That's right! I was told by including XXXX my payment history would not be updated until the first week of XX/XX/XXXX. Lies. Now they tell me they are not going to update my payment history until the end of XX/XX/XXXX.!!!! Its a shame. Its hurting me, really bad. The new reduced payment amount of the mortgage is showing at the credit bureau, that is {$1100.00} but I am still showing 120 days PAST DUE!!!! IT isn't fair. They are constantly on a witch hunt, a fishing expedition and change the rules just anytime, whenever, wherever .I cant begin to express the humiliation, daily pressure, the ungodly days and nights I've spent with this, and again, had I known just how wicked they were, and that they were facing a cease and desist order I would not have fell into their mod trap. I expect them to correct my payment history at the credit bureau immediately to show current and paid to XX/XX/2018 Ocwen also needs to immediately stop sending my former spouse 's mail to my address. They apologized for this a year ago but started right back months later. She was patient and cooperative during the signing process and I am thankful and wish her sincere blessings. I am paid to XX/XX/2018!! 
Thank you CFPB XXXX XXXX XXXX XXXX XXXX. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Airtm Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear CFPB, I am writing to file a complaint against a financial institution that goes by the name of AIRTM, Inc ( https : XXXX ). I recently used their platform to exchange American dollars for XXXX XXXX, and I have been met with an incredibly frustrating experience. I believe that this institution is engaging in fraudulent practices and misleading their customers. 

To begin with, the institution has not been forthcoming with information. They have not been transparent about their problems on their website, and I was not made aware of the issues before I attempted to make my transaction. As a result, I have been left without access to my money, and my account has been blocked. 

Furthermore, it appears that this institution has a history of these types of problems. I have heard from other customers that they have experienced similar issues, and yet the institution has not taken any steps to address these problems. 

In addition, I feel as though the institution has " swallowed '' my money. I can not change my currency or resend it back to my international bank account, and I have no idea when I will be able to access my funds. This has caused me a great deal of stress and anxiety, and I believe that the institution should be held accountable for their actions. 

I urge you to investigate this institution and take appropriate action to ensure that they are not engaging in fraudulent practices. I appreciate your attention to this matter and look forward to hearing back from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Prosper Marketplace, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Initially I applied for what would have been a     3rd Pr osper lo an, having paid off    XXXX     already in years past and having the  2nd    almost 50 % paid off. In other words, a good   history with h Prosper with  no late payments and a solid credit file.     I qualified for up to {$13000.00} and elected to borrow {$10000.00} at 17.9 % apr, with a shorter term.     I fulfilled all the requests for documentation. I supplied salary stubs,  my 2016    XXXX  , and  XXXX  from income received from my   XXXX   XXXX   that I recently started back up.     I received a call from a  Prosper loan specialist a nd was told that I could either not include the  XXXX  income because  Pros  per could n't in clude it for some odd reason. I was told I had to reapply and state I was  XXXX  in order to have BOTH sources of income considered. I then stated to forget the  XXXX  income as in past years I had qualified for $  10,000+ on  my  XXXX  income alone. The loan  specialist said it di d n't matter, either way I had to reapply. This made absolutely no sense.     I then received a message that my loan had been denied because  Prosper  " could not verify my income '' despite having current pay stubs,  2016     XXXX  and  2016     XXXX . This is an outright falsehood.     When I went to reapply as instructed I only qualified for $  XXXX  {$9500.00} and now the interest rate jumped to 22.35 % to 34.01 %, depending on the term.      Prosper did something similar on the very first loan I took out. Now that it 's happened a second time I see the scam. Prosper denies applicants a loan AFTER its pulled a hard inquiry, which drops the applicants  XXXX  score. It then offers an outrageous rate and uses the excuse of the applicants   XXXX   sco re, which its done damage to with the hard inquiry.     This is unethical and shoul d be illegal. Prosper was pe rfectly capable of verifying my income initially and the fact that it doubled the rate speaks to its lack of ethics and truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report  XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX  2016

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 2023-10-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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, the following accounts XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-10-29
Company: Kikoff Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Kickoff Lending XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Installment account needs to show up on my XXXX report as well Kickoff Lending XXXX, I am asking for you to investigate and add my installment loan that shows on my XXXX credit report to also show on my XXXX credit report as your site says it will. 

You clearly state XXXX XXXX XXXX XXXX optional add-on ) reports to XXXX and XXXX. We require 1 successful payment before reporting. 

The purpose of this installment account with you, that I paid on time, in full, was to increase my credit profile and score for XXXX and XXXX it shows on XXXX it needs to show on XXXX. 

Please see attached - complaint - drivers license - social security card - address Please have this report to XXXX at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIBANK, N.A.
State: NY
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:
My credit report shows a h ard inquiry from CitiBank. I did not authorize this inquiry and would like it removed from my credit report CITIBANK NA.,    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,   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 2022-04-06
Company: Experian Information Solutions Inc.
State: MS
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 Account # XXXX, has 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 2022-10-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX or XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX has broken a legally binding agreement. The status for the account I am referring to was to be updated to ( paid as agreed ; closed ) upon receiving payoff. This verbal agreement was made on a recorded line between a XXXX XXXX XXXX XXXX compliance manager and I on XX/XX/2023. XXXX XXXX XXXX XXXX has failed to deny the verbal agreement. Per Texas legislation, a verbal agreement is legally binding. Not only has XXXX XXXX XXXX XXXX failed to uphold this agreement, the information being reported is inconsistent between all three credit 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 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My Walmart credit card was closed. It was with XXXX XXXX. It was transferred to Capital One. They REOPENED it and designated it as delinquent, and reported it to the Credit Bureau, ruining my credit rating. They call repeatedly every day over and over and over to collect 'past due ' payments on a CLOSED ACCOUNT that they reopened. I have tried to make arrangements, but they ignore me. They continue to call after I asked them to stop. They continue to add fees on a CLOSED ACCOUNT that THEY REOPENED. I find their collection and business practices SKETCHY AS XXXX. 

If they continue to call, I will take legal action. I will sue them for a larger amount than I owe on this CLOSED ACCOUNT THAT THEY REOPENED.

Company response to consumer: Closed with monetary relief