BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Alliance One, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The loan was refinanced with another company XX/XX/2022. Still appear negative on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Upgrade, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I applied for a rewards checking account and a credit card with Upgrade. Through XXXX XXXX there was an advertised bonus for {$500.00} if both were opened and XXXX transactions were completed with the debit card that came with the checking account. The checking account was approved that day, but the credit card was not approved until 8 days later. After completing the terms of the agreement and contacting Upgrade customer service they stated that I now had to use the credit card for a few months in order to receive the bonus. I completed those terms and paid the monthly bill on time for multiple consecutive months. 

On XX/XX/XXXX, I again contacted customer service asking why the promotional offer had not been honored. The customer service agent stated that because the checking account and credit card were not opened on the same day that the offer would not be honored. The credit card was not approved until 8 days later, even though that was the product that I had applied for first. 

Upgrade is refusing to pay out a promotional offer with deceptive practices. The accounts were opened in the order which the terms stated, but by not approving the credit card days later they can avoid paying out the promotions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
I asked that incorrect addresses be deleted from my report and they were not. 

I currently live at 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Had a repossession from Credit Acceptance corporation in XXXX of XXXX. I got the XXXX XXXX XXXX  XX/XX/XXXX. Had vehicle for almost 3 years car payment was {$440.00} monthly could no longer afford that payment. Also, every time I called for payment it would still say my payoff was over {$20000.00}. When I got car from XXXX XXXX in XXXX VA the car was a little over XXXX dollars after finance was added only was supposed to be little over {$17000.00}. I received a summons to appear in court in XXXX VA on XXXX XXXX being sued for over {$8000.00} by a third party agency C/O XXXX and XXXX XXXX XXXX XXXX VA for Credit Acceptance XXXX XXXX XXXX the salesman never told me nor did I see where I had to pay over a 22 % interest rate nor would have agreed to pay XXXX dollars for a vehicle that I was told was only gone cost me a little over {$17000.00}. I am a victim of Predatory Lending by Credit Acceptance. Credit Acceptance sold the vehicle in an auction in XXXX VA. I will not have a car been lost the money that I paid into the car and they have my money that I paid into car and the money that they sold car for. Credit Acceptance recently had a lawsuit in XXXX XXXX XXXX for doing this to other customers. They take people like me and do this Predatory Lending. I would never agree to pay that kind of interest on a vehicle.

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 2018-02-21
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Voicemail from ( XXXX ) XXXX " We have an important message from Midwest Recovery Systems. This is a call from a debt collector. Please call XXXX. '' Go to XXXX XXXX >

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX I leased a vehicle from XXXX XXXX XXXX on XXXX XXXX, the lease was done through XXXX XXXX. The car was then stolen recked and totaled out, I was dealing with the police, the bank and the insurance company. I was told by my insurance company that check was issued and sent to the bank and I dont need to make payments to the bank. I later found out there was a dispute between the bank and the insurance company and the bank sent my account to collections so they can take possession of the vehicle which delayed the insurance payment and led to my account going into collections. I was never called or informed about my account getting ready to go into collections. They claim they didnt have my cell number which I find hard to believe because the dealership I purchased from still calls me on that number. I even called in to make the last due payments but they didnt let me make those payments because of the status of my account. I would like CFPB to protect me as a consumer and get this taken off of my credit history. The account was paid for the bank received there money I just need the fact that this account went into collections for less than 2 months 3 years ago taken of my credit history.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: TX
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX XXXX  I approached a XXXX dealership in XXXX California with a preapproval letter from XXXX XXXX XXXX XXXX I put a XXXXXXXX XXXX  from them through an XXXX XXXX however, on my credit report showing in XXXX an inquiry from XXXX XXXX XXXX XXXX on XXXX  I never gave them permission to run my credit as I was already preapproved via XXXX XXXX XXXX XXXX. This inquiry from them is fraudulent and needs to be 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 2023-02-08
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
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 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 2023-06-01
Company: Frontline Asset Strategies, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX from XXXX XXXX Fl Frontline Assest Strategies told me the request to report a XXXX balance was submitted to XXXX Credit Bureau on XX/XX/, however upon contacting XXXX Supervisory Department it has not been submitted nor received as submitted. I kindly called the collection agency to get this matter resolved so that I could report to the XXXX and close the complaint. I gave XXXX the information given to me by the XXXX supervisor to contact them thru the client email andXXXX phone # given to Frontline which he refused. This has been an open dispute with Frontline for over 9 months and to resolve it only takes an email or phone call, Frontline is continuing a request to collect a debt that has already been paid and closed and refuses to contact the credit reporting agency to report the debt as XXXX balance and refuses to give me a copy of the letter showing the account is paid and closed. Therefore, continues to harass me with phone calls, emails and letters from the collection company Frontline AS. I like as a resolution request have Frontline contact XXXX via phone call or email with the document verifying the account is closed with XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Made a payment XX/XX/2021 and paid in full to a rep who did not stop card so the interest fee made my late fees occur. Months later they fixed the issue but it had already affected my credit report and they will not fix that. They did fix the card fee portion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : 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 non-monetary relief
Consumer complaint received 2023-02-08
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: Account status incorrect

Complaint:
The information that is reporting on my XXXX and Experian credit report does not reflect on my XXXX and all reports should reflect the information on the XXXX report..

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 2023-06-01
Company: CARD Corporation
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Account was frozen due to complaint about funds being held, I was told to send them a copy of my social security card, my driver 's license and a copy over a fax line, I explained that this made me uncomfortable and it was not secure, I told them I could verify through XXXX. or another secure means, this company has held my money over a year, with no resolution after several attempts, the company has processed me through the XXXX and no communication available is the United states, the personal have been rediculaess to communicate with, as they laughed about holding funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: ID Analytics, Inc.
State: TN
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 am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and sagesteam witch shares information with all the major credit reporting agencies. after filing over XXXX ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Exeter Finance Corp.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is a privately held company with 20 employees. We receive multiple calls per day from " Exeter Finance '' with a recording to " hold for an operator '' etc. When we wait for an operator, they will ask to speak to a person not employed with my company. We have told them numerous times to stop calling, no one here by that name, etc., to no avail. This has been going on for 6 months or more. 

This week alone Exeter Finance called at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

It is a great waste of our company 's time and money to answer the bogus calls from " Exeter Finance ''. I consider the call tactics as harassments because the serve no purpose other than to waste our time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : XXXXXXXX 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 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 2023-06-01
Company: Incomm Holdings Inc.
State: TX
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:
I received a prepaid gift card from a family member as a gift on XX/XX/2023. It was purchased in XXXX XXXX  I believe on that day. 
After about a week I attempted to use the card and it was declined. I found after checking the balance that all the funds ( {$200.00} ) were fraudulently spent on the card before I even removed it from the packaging. There were two transactions on the card draining all {$200.00} before I even tried to use it the first time. 
I read the terms and conditions with the card and followed their instructions to report the fraud and file a claim to recover the funds. 
After receiving a case number from the representative, I sent the case number and details to the email they instructed. 
I was told I would receive an update in 7-10 days on XX/XX/2023. 
I followed up two more times and have not received any response at all. It has been nearly three months and I have not been contacted at all.

The card company will not respond to me and I have no status. It seems they are ignoring me on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: NV
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:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX  that show I communicated with their representative. 

I need to get this erroneous negative mark off my 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