BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-04
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I added XXXX Corporation to my XXXX XXXX XXXX starting XX/XX/XXXX GC SERVICES. 

I've made consistent payments since this date until XX/XX/XXXX because I've been financially impacted by COVID. 

I called the debt collection, which XXXX has sold off to different agencies in the past few years. I offered to settle at 20 % in XX/XX/XXXX with my unemployment money coming in the next week or two. They advised they would not settle at this amount. 

I have not received updated letters about the debt collections since then. Instead, the collector has reported multiple times in a single month to my credit report with all 3 bureaus. 

This account is not new and they are reporting it is as of XX/XX/XXXX. I've been paying this debt since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Citizens Bank N.A., HELOC lender, did not notify me by email, phone, or hardcopy requiring signature of impending adverse reporting to credit bureaus when automated payment on the loan failed. In doing so, bank violated the notice requirement of the FCRA. Bank had been notied of very poor USPS rst-class service at my address, which made reliance on this means of communication unreliable and undesirable, but bank continued to use this means exclusively, although it had my email address and phone number. Bank continued to report nonpayment on the loan to credit bureaus monthly for almost two years, destroying my credit record. I discovered this only when I received a foreclosure threat from the bank 's attorneys, which I did receive. This has now happened in two sequences. On the most recent occasion, the nes charged were around {$1000.00}. Bank 's online systems also keep changing without notice. The last website through which I set up automatic payment on the loan is not online ( its domain name does not resolve ). The loan portal site suggested by XXXX XXXX redirects to a site that's not online when " Home Loan '' is selected from the portal 's menu. As a result, I don't even know how to render either the past-due or future amounts. My account on the original website from which it was administered was closed without notice on a prior occasion. My request to speak to " the Chairman 's Escalation Ofce '' was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NM
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 recently discovered a credit inquiry from XXXX XXXX XXXX on my Equifax credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to Equifax. Both came back verified with no proof. I called XXXX XXXX XXXX  on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, XXXX XXXX XXXX and Equifax are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Credit Control, LLC
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:
Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called XXXX XXXX saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the Credit Control Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not XXXX XXXX XXXX XXXX  XXXX  is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called XXXX XXXX. They said I owed the money and asked who was the company saying it was paid. When I told them Credit Control, I was informed that Credit Control is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from XXXX XXXX saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call Credit Control about it, even though Credit Control is their company. They said they have a process and I need to wait. I have never heard of Credit Control or XXXX XXXX  prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from Credit Control saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, 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 information incorrect

Complaint:
I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- XXXX XXXX XXXXXXXX - from XXXX, 2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year. 

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and Peak loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX2021. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

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 2022-11-23
Company: EQUIFAX, 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: 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Klarna AB
State: MI
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:
Greetings : I am writing to issue a complaint against Klarna Inc. for its deceptive and bait-and-switch practices. I had issued a complaint with the XXXX, but they could not make a determination in my favor because Klarna did not provide me with anything in writing pertaining to my account, except for a statement which was not sent to me. On XX/XX/2021 I made an XXXX purchase ( from several XXXX shops ) totaling {$670.00}. Klarna offered me 12 months zero interest, as long as I kept up my payments. In XXXX, I was trying to navigate the Klarna app and my automatic bill pay was shut off, which I did NOT intend to happen, and this resulted in a late fee AND loss of my promotion. HOWEVER two supervisors have also written to me saying that the promotion was never added to my account because I didnt qualify, even though I was approved for a {$1000.00} credit limit through Klarna XXXX Klarna did NOT divulge anything about my not being eligible for the promotion. They also didnt divulge that my promotion was removed due to a late payment. 

So which one is the REAL story? I honestly dont know. But the point is, Klarna did NOT notify me when : A. I didnt qualify for the promotional offer of 12 months zero interest ( see attachment of the screenshot I took when I accepted the offer ). 
B. I LOST my promotion because I lost my auto pay, which resulted in a late payment/fee. 

NEITHER scenario is acceptable and as I said, I dont know what the truth is. I am disputing any and all interest and late charges associated with my Klarna account. I did not agree to the interest rate of 19.99 %, which was added to my account instead of the promotion I agreed to 12 months zero interest, and thats what I expect. My bill has been half paid off, and I owe Klarna {$370.00}, NOTHING MORE. This has been going on since XXXX, and I am livid about being deceived by Klarna XXXX Inc. Im not sure why they have an A+ rating on the XXXX website, because the complaints from customers against Klarna on the same website ( XXXX ) are EXTENSIVE, and average 1.4 out of 5 stars. This is unacceptable and I will fight this absolute injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
most recently, on XX/XX/2021 I am a authorized user on a XXXX XXXX credit card, and Experian has repeatedly failed to abide by CRA and FCRA guides, specificity Furnisher Rule 660.4 ( a ). I have spoken with the creditor and their direct response has been " XXXX XXXX 's normal business practice is to send account information to the credit reporting agencies 2-3 days after the billing period ends, and the information should be the same that is on your statement. XXXX XXXX  may report consumer accounts to three Credit Bureaus : Experian, XXXX XXXX XXXX  However, we have no control when the CRAs update their information. '' Now I have been an authorized user for quite a few months, and it has been successfully reported across all another reporting agencies. and still no information regarding my account is being reported at all.

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 2023-10-16
Company: Palisade Legal Group, PLLC
State: IL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2023 I was contacted by Palisade Legal group with an offer for a debt consolidation loan. I applied for the loan & was denied but they offered me an alternative in which they would negotiate my debts with creditors in exchange for lower monthly payments. After explaining to Palisade my concerns of negative impact on my credit & XXXX score I was assured by their representative that a negative impact was brief & temporary. I agreed. In order for the Palisade Legal Group to be able to negotiate debt with creditors on my behalf their representatives advertised me to let my accounts go delinquent by not paying them & ignoring phone calls & threats from creditors. This caused my credit score to drop from XXXX to XXXX and XXXX  XXXX score to go from XXXX to XXXX in under of 4 months. I was told my credit score would only be affected for a short period of time and I would see it increase. When I called to ask how long should I expect to have bad credit I was told for the length of the program which is 5 years. From XX/XX/XXXX until today XX/XX/2023 I have made 5 payments of {$900.00} Palisade Legal group has since negotiated settlement with 1 of the promised 8 creditors of {$64000.00} of debt. They have since paid a {$270.00} check & a {$25.00} check to that one settlement. I believe they are taking off the top of the amount Palisade agreed to settle they are collecting a 27.50 % fee of {$17000.00}. I made this agreement with Palisade Legal Group I was trying to Finance a Semi Truck for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX and rent an apartment. With my bad credit & low XXXX scores this is no longer possible 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 also canceled my {$5000.00} line of credit that I was going to furnish my apartment with because they are affiliated with one of the creditors XXXX XXXX  XXXX XXXX XXXX XXXX is automatically taking money from my XXXX XXXXXXXX XXXX account because thats what they do when you owe them & have a XXXX XXXX XXXX  Account Palisade Legal Group has ruined my life!

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 hold a credit card with Capital One, Visa Card since around XX/XX/XXXX, credit card number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I had paid my credit card ontime, all this years ontime. So, regarding this incident, I paid the balance on this credit card, on the day the payment was due, and they stated that it was late, but was never late, there must has being a computer error on their system. I always have problems with their online system, wether try later, or system is not available, or where I had made payments on the past, and they payment never posted. So I was under the impression that the payment was processed on time, until I got a notification from XXXX XXXX  ( I have a service with them, they notify me when there is a change on my credit report ), that XXXX had put a late payment on my credit report. I disputed this mistake with XXXX and they removed it, however ; a few weeks later it did appear again, then I disputed the error again and in 2 days after my second dispute they sent me an email that the late payment remained on my XXXX  credit report. I have had perfect credit for so many years, I need my good credit because I'm always looking for real estate deals, but this mark on my report is really hurting me financially. I had maintain an excellent credit record for yeas and I don't think is fair that Capital One refuses to update my credit report, I called and I was transfer to some one in XXXX or some XXXX country, and all they said is for me to dispute the item with the credit bureau, but no other info. was available. I really hope this can be taking care of ASAP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase Bank credit card dept sent email advising I qualify for a pre approved credit card I have had a bank account w Chase Bank for about twenty years and my account regularly monitors my credit history thru XXXX. 
When I completed their application I had a XXXX credit score but they chose to deny the application for unknown reason and the Hard credit check which they did not need to do knocked me down to XXXX or poor score. When I try to call the Chase Bank credit card dept I am on hold wait time if 1hour. 
All I am trying to do is have the hard inquiry removed because I am in the process of moving and the hard hit hurts me on the credit score when applying for apartments. 
I am fine with no credit card because I have no outstanding debt and will never apply for anything chase backed ever again I just want the inquiry removed because they already had my credit score history w/o the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Equifax. Equifax is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries are being fraudulently furnished. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2020, XX/XX/2020. If these inquiries are not removed, I will hold Equifax criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Equifax can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that are being fraudulently furnished along with a letter from XXXX XXXX XXXX stating they are unable to remove inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PLANET HOME LENDING, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I called Planet Home and explained to them that the Loan sold to them was discharged in bankruptcy in XXXX, but they continue to send statements for payments and they bought the loan in XXXX, long after it was discharged in bankruptcy. 

When I tried to refinance my home they decline because Planet Home stated we never made any payment. The statement Planet Home sent to me was for XXXX. Now they are telling the mortgage company the balance is XXXX.and because of no payments the company refuses to ok the loan. The Loan was discharged by the court in XXXX for XXXXwho sold the loan to Planet Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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