BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Credit Karma, LLC
State: IL
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:
I submitted a complaint on XX/XX/2022. XXXX responded on XX/XX/2022 stating that " Permissable purpose for the credit reporting inquiries cited is provided at the time of account registration to provide you with a better credit karma experience ''. These inquiries have no adverse impact on your XXXX XXXX '' I DID NOT authorize this " finance platform '' to pull my credit!!! This is an act of credit abuse. Stating that pulling my credit via " soft '' inquiries suggest doesn't impact my XXXX XXXX suggest unauthorized permission and still violates my consumer rights! 

The company has not provided to me in writing proof that I authorized the pulling of my credit via " checking my credit '' I DO NOT use services via credit karma!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Avant Holding Company, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Through the XXXX website, I applied for a loan with Avant. The offer on the website said I was pre-approved for {$35000.00}. Their website claims that the loans are processed within 24 hours. I submitted all the necessary documentation and they pulled a hard credit check on me. And then nothing. I called customer support and they read me the same speech. 

I asked multiple times if I submitted all the proper documentation. I was told that I had. The speech always included that they try to approve within 24 hours. My file was being reviewed. 

I applied on Friday, XX/XX/2022. It is now Thursday, XX/XX/2022. Because of their unfair and deceptive practices, I am no longer eligible for the other loan offer with another company. Their hard credit pull hurt my credit rating. It has been an humiliating experience. Their actions have been detrimental to my finances. I consider their actions abusive. 

If I wasn't really pre-approved, they should have just told me. We should not be almost a week out and I still do not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: MAJR Financial Corp
State: FL
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, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; MAJR FINANCIAL is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. MAJR FINANCIAL is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : MAJR FINANCIAL XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23, Columbia Debt Recovery LLC dba Genesis sent myself and former housemate a letter and email stating a supposed debt of ours had gone into collections and they were contacting us in an attempt to collect on this debt. We responded stating that no debt was owed by us. The property management company of an apartment we lived in over 2 years ago is supposedly trying to get us to pay for carpet replacement on an apartment we lived in for one year. We moved out, settled all of our move out paperwork, and even retrieved our mail from the property manager for a month after moving out. When we moved out, they carpet was in perfect condition and the property company never said a word to us about anything. Now, 2 years later, we are presented with a bill for carpet replacement. We did not damage the carpet, nor did we sign any agreement that they could replace the carpet at our expense. On XX/XX/23 we responded requesting all communication with The XXXX XXXX XXXX XXXX be shared with us, including photo 's and proof of this debt. What we received was a typed bill on company letterhead and our original lease. Nowhere in any communication is their proof that the carpet was damaged and needed to be completely replaced or a document signed my us stating they could chose to replace it our expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
received two un solicited inquiries through Experian one from XXXX XXXX  in XXXX XXXX, ME nd one from XXXX XXXX XXXX in XXXX XXXX TX on XX/XX/2022. Reported incident to Experian nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-12-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment is {$880.00}. In addition, I will includes funds in excess of {$100.00} as monies for additional principal payment. In the past, my lender has applied these additional monies to the principal but recently the lender has begun a practice of suspending the additional monies for a period of 30 days while the principal interest is still accumulating allowing the additional principal payment to be negated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Collection Management Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a patient at a XXXX XXXX XXXX  facility called XXXX XXXX, XXXX XXXX from XX/XX/2018 until XX/XX/2018. I was initially admitted to the facility under the agreement that the cost of my stay would be covered by my health insurance, XXXX XXXX XXXX. After six weeks into my stay, it was discovered that my health insurance had terminated due to a payment issue with the XXXX  website and I was informed I had to sign an agreement that stated I would be responsible for the total cost of my stay at inpatient and the remainder of my stay at their sober living and IOP. ( My health insurance had mistakenly approved all the days of my stay up until that point ) I was told that if I did not sign this agreement I would have to leave the facility granted at the time I was still medically recovering and did not have any where else to go. 
I reluctantly signed the payment responsibility agreement under duress and informed the staff at the facility that I would work with my former employer and XXXX  to try to have my health insurance reinstated so the payment matter would be fixed. Two to three weeks later while I was waiting to hear back from my former employer, the staff at the XXXX XXXX XXXX XXXXXXXX XXXX facility told me they could no longer wait for payment and that I had to be discharged. The director of their XXXX  facility, XXXX XXXX and her coworker were extremely bullying and stated to me this is your fault because of your XXXX XXXX XXXX XXXX Three months later, on XX/XX/2018, I received a letter that stated I owed a {$13000.00} + bill to XXXX XXXX for the cost of my stay at their facilities. I called their billing department to inform them that I was not responsible for the payment and that the responsibility belonged to my former health insurance provider, XXXX XXXX XXXX. 

The bill was eventually turned over to a creditor, Credit Management. The amount for the bill now stands at {$11000.00} I do not owe this money, I signed responsibility for the payment only because I was under duress and I was not XXXX  in the right state of mind to sign as evidenced by my then need for a stay at a treatment center. My signature on the patient financial responsibility document ( attached ) was not notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with citizen access bank. I operate a business and was expecting payments from my client for a total of {$9600.00}. The payment was mistakenly transfered to my savings account at Citizen bank instead of my business checking account. 

I linked my business checking account and trying to transfer the funds to the intended account but the transfer was cancelled and was told my account is under review. 

The customer representative can not give a timeframe of when the review will end, its over a week now and still my account is frozen and no appropriate information as to when my account will be unlocked. 

The funds are important to me as i'm a small business and I need to pay my staff and suppliers and is already 1 week behind on my book keeping. 

I called over 10 times and everytime the customer rep keep telling me they can't tell why my account was froze or when will the review takes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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 belongs to someone else

Complaint:
I have a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to XXXX and can not get any assistance to remove this. I am reaching out to you for 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 explanation
Consumer complaint received 2022-12-21
Company: Incomm Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/22 I was given a {$20.00} Vanilla Gift Card. I tried to use the card for an online purchase on XX/XX/22 and the card won't work. So I registered it, and I was still unsuccessful. On XX/XX/22 I used it for an in-store purchase and was told there was only {$.00} left on it. I checked the balance online and saw an unauthorized purchase to www.xingyia.com on XX/XX/22 at XXXX am. Fortunately, I took a screenshot of the transactions, because now, when I check the balance I get an error message. On XX/XX/22 I notified Vanilla and submitted a dispute packet that same day. To date, I have not received the {$19.00} due to me, nor have I heard anything back from Vanilla.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Atlanticus Services Corporation
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: Account information incorrect

Complaint:
A company called Fortiva is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted the requested for the re affirmation form on XXXX and have not yet received the confirmation. Classes started XXXX and my account at XXXX university has a balance and a hold. I have called XXXX and spoke to XXXX managers and no one has been able to assist with getting this letter returned to me. I need this letter to get awarded XXXXXXXX XXXX for the year. I need this letter if not I will owe my school and will have to XXXX from school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with Transunion, XXXX and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name 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 2022-12-21
Company: The Collection Agency LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2022 I received a certified letter from XXXX XXXX XXXX XXXX stating they are going to garnish wages from my job from a judgement placed against me because of this judgement and living at the time on XXXX due to a XXXX. I filed XXXX XXXX bankruptcy, they still called me and my wife to debtor examination, once we arrived they called us by name and released us stating " you have filed bankruptcy you are released from the debtor examination '' My wife and I have taken the bankruptcy courses and via telephone was examined by the trustee for the bankruptcy. After receiving the wage garnishment paperwork from the XXXX XXXX XXXX, I called them and asked why they where trying to garnish my wages for a judgment I have formally filed bankruptcy on. The Collection Agency knew from the beginning my wife and I filed bankruptcy but during the call pretended they had no idea and perused the matter. Finally towards the end of the call the agent said he would check the bankruptcy story and to disregard the wage garnishment paperwork if I indeed file bankruptcy and if I didn't they would move forward with the wage garnishment. I told them future communications needed to be done through my attorney XXXX XXXX. The next day I received a phone call from the XXXX XXXX XXXX requesting payment for the judgement in which I filed bankruptcy on I again informed them that I have already filed bankruptcy and who my attorney was and hung the phone up. It was brought to my attention that XXXX XXXX XXXX XXXX  has a reputation of playing fast and loose with the law and going after the poor because they know they can get away with it with no consequences. I was made aware of this site and that filing a complaint could hold them accountable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have been trying since XX/XX/XXXX to have this particular account on my credit report fixed. it has been investigated 6 times since XX/XX/XXXX and Transunion has not corrected any of the information. I called Transunion on XX/XX/XXXX and they told me they are reporting the information that XXXX XXXX XXXX XXXX is providing to them. they are also missing 2 payment entries for XX/XX/XXXX and it is my right under the FCRA to have a complete payment history. they are refusing to provide a complete account history and also refusing to delete it because it is not complete, which I am entitled to under the FCRA, Section 611 ( a ) ( 1 ) ( A ).  Transunion has also been reporting some incorrect information on this file. 
1. the account number is not correct 2. they are missing payment entries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 3. the last payment received is the wrong amount 4. the pay status is incorrect, this account has been paid and it does not reflect that through transunions reporting of 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 explanation
Consumer complaint received 2023-10-04
Company: General Motors Financial Company, Inc.
State: TX
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:
Today, I am writing this complaint to GM FINANCIAL regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I made a purchase at Best Buy ( XXXX, Tx ) for {$6000.00}. I opened the CitiBank/Best Buy credit card at the store. I did so with the intention of saving 10 % on the purchase. You get 5 % rewards and then an additional 5 % if you made a purchase within 15 days of card opening. I inquired about my rewards balance by calling the credit card # and they forwarded me to some rewards department. The rep at the office said I opted for the promotional no interest offer and there was nothing that could be done. I did not opt for any no interest offer. I did not submit the application on my own, it was submitted by a rep at the XXXX, Tx location. I chose " No '' for everything that appeared on the screen on my end. I paid my full balance within a week and do not care for this offer. I just want my rewards balance reflected in my account. Also, my credit score went down XXXX points because of this offer. Not sure if they turned it into a loan or what? Never opening a new card again after this terrible experience. 

I believe Best Buy/Citibank voluntarily put customers into the promotional no interest offer to avoid paying the rewards offer. I would not be surprised if hundreds of other customer fell into this trap as well. Best Buy/Citibank need to do right by me and correct their mistake.

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