BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Credit Karma, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am writing to file a formal complaint against Credit Karma , LLC and XXXX regarding the recent closure of my XXXX line of credit and their disregard of my notice for arbitration. I believe that both companies may have violated consumer protection laws, and I am seeking your assistance in addressing this issue. 

Here are the details of my complaint : Background : I had a XXXX  line of credit that I responsibly managed for one year, making on-time payments and demonstrating good financial behavior. 
After Credit Karma acquired XXXX, I received a notification informing me of the closure of my line of credit. However, the notification provided inadequate explanation for the closure, leaving me with unanswered questions. 

Notice for Arbitration Disregarded : In response to the closure of my account, I exercised my right to initiate arbitration proceedings by sending a notice for arbitration to Credit Karma , LLC as stated in their terms of use.Despite providing proper notice and following the required procedure, Credit Karma , LLC disregarded my notice for arbitration and failed to engage in the arbitration process. 

Negative Impact : The closure of my XXXX line of credit and Credit Karma 's refusal to address the matter through arbitration have had a significant negative impact on my financial well-being. As a result of the closure, my credit score has dropped by XXXX points, making it difficult for me to secure loans or obtain favorable credit terms. This adverse consequence has hindered my financial opportunities and caused undue financial hardship. 

Violations : I believe that Credit Karma , LLC  and XXXX XXXX have violated consumer protection laws, including but not limited to the Equal Credit Opportunity Act ( ECOA ) and the Consumer Financial Protection Act ( CFPA ). By disregarding my notice for arbitration, Credit Karma , LLC may have violated the terms of their own agreement and denied me the opportunity to seek a fair resolution through the appropriate legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: CITYWORTH MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I 've been working with the bank on a mortgage loan. We were supposed to close on  X/XX/2017    and they were unable to as they waited until the last minute to get things to the underwriter. We finally get everything else in, and the bank goes silent for days. I tried reaching the banker who was assisting me with no luck. Tried reaching every person who had called me from the bank, and literally no one would answer. I found   XXXX   XXXX   's contact information on their BBB portal, and gave him a call. He is the  manager , and advised that he did not know why we had n't closed as my file looked good and that he 'd try to expedite things for me. Now   XXXX   XXXX   also disappears and wo n't get back to me at all. I am at a LOST! I am on the verge of losing the contract on the home as the seller is worried that we wo n't be able to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried several times to dispute an entry for my XXXX XXXX XXXX XXXX account.. The entry on my transunion report is that there has been no payments recorded since XXXXXXXX XXXX. It also states that I am in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It says that the last payment I made on the account was in XXXX, XXXX this is simply not true. I originally contacted them about my credit card entry and Transunion removed the credit card from my report. Then I contacted them again and they said, that I had to contact the creditor to have them report it again so that it can be put back on my credit report. I did that and XXXX XXXX XXXX  stated that they would send the information to Transunion and that it would be placed back on my report reporting all information from the time of removal now that it was verified. It was placed back on my credit report but no information is being reported since XXXX XXXX. I have not been in a XXXX XXXX for over a year and I successfully was dismissed/discharged from my bankruptcy in full compliance as I completed it successfully. XXXX XXXX XXXX XXXX XXXX Account was never included in my bankruptcy. All other credit cards are being reported accurately, however, this one credit card is not. It is not reporting payment history or reflecting an appropriate balance. I have unsuccessfully gone to both Transunion and XXXX XXXX and the problem has been ongoing since XXXXXXXX XXXX. I am desperately doing everything I can to improve my credit and I just want my report to accurately and timely reflect my payments, credit history and standing with 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 2023-06-07
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
It's a complaint against Direct express which let someone hacked to my account and charged 3 times {$63.00} on XXXX an account which I don't have or ever used .They are saying I did this that I charged for this purchases and will not refund me the back charges to my account .please investigate this againt Direct Express and Comerica bank . thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
For the past 90 days, I have been trying to validate a debt with XXXX XXXX. I have not had a single response by phone, email or mail. This is a complete violation and extreme delay. I am losing out on time, money and opportunity due to the negligence of this collection agency. PLEASE SEE ATTACHED THE DEBT VALIDAITON REQUEST I SENT TO THE COLLECTION AGENCY OVER 45 DAYS AGO.

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 2023-03-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo caused me and my family, irreparable harm by it's fraudulent foreclosure of our XXXX XXXX XXXX, XXXX XXXX XXXX, and disproportionately XXXX Homeowners, by Giving me a " Modification which I was in total complacence with, after paying as agreed, and then W.F created a false excuse, and started Foreclosure proceedings in XXXX. W.F is in " Breach of Contract made in a meeting that W.F requested, via a phone call to Rev. XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, where the meeting was held on XX/XX/XXXX. WF XXXX XXXX, and XXXX and 3 others in attendance contracted to do a " XXXX XXXX on my and the memberships filed complaints which never happened to this date. Sending the documented evidence to Wells Fargo and CFPB along with the letter from XXXX XXXXXXXX XXXX, XXXX of NJ XXXX XXXX, and demanding {$1.00} XXXX XXXX  in damages which are defined in her letter to Attorney General XXXX dated XX/XX/XXXX. 

Sincerely, submitted. 
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 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NC
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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$280.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; Medical XXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; Medical XXXX Balance : {$190.00} ; Medical XXXX Balance : {$120.00} ; 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 explanation
Consumer complaint received 2022-03-17
Company: GOLDMAN SACHS BANK USA
State: WI
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:
Name of the Credit Card ( Apple Card ) Prior purchasing an XXXX from XXXX XXXX, Apple Card was contacted to inquire about their card cash back policy. I called, was informed that it is XXXX XXXX. I ordered my XXXX, using Apple Card, but suddenly I found the expected cash back XXXX XXXX. I called again, but they apologized, then decided to return back merchandise, expecting that would be the end of the transaction like any other credit card. 

But, surprised to find out that I was in debt of over {$40.00}. My credit report was affected, and I file a dispute with the XXXX XXXX XXXX " XXXX '' which they advised to call Apple Card. I have called Apple Card repeatedly, but got nothing to understand when listening to their explanation, except they not only the Apple Card by itself, but its derivatives like XXXX XXXX, Daily Cash,... etc. which I have nothing to do with all of that. 

Moreover, when I tried to pay my XXXX service charge of {$1.00} which should be paid by my XXXX XXXX XXXX XXXX Credit Card, it's automatically charged to Apple Card, which I have no clue about the monopoly of Apple Card to swallow any purchase transaction done by XXXX XXXX, as I have not agreed to any of these limitations. 

Please be advised that, finally Apple Card made an adjustment to XXXX Balance when I tried to get help from XXXX XXXX " that is what I thought ''. Few days later, I was also requested to make a last payment made by Apple Card of {$1.00} for XXXX charge which I did by sending a check to the Apple Card address. 
Unfortunately, this is followed by receiving repeated messages on my phone requesting payment of unknown earlier balance ( over {$40.00} ), which I repeatedly responded that this is unearned money I can't pay, and requested the termination of my card, as well as, stopping further harassment. but, they opt to continue. Naturally, my XXXX XXXX is negatively affected. 

As a XXXX XXXX XXXX senior citizen, your assistance in putting an effective end to these infractions directed to consumers is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a continuation of  Case  #  XXXX . Bank  of Ameri  ca/ MB  NA does not respond adequately, which is part of the original complaint, and the continuation of the problem since 2016. ( I asked for communication from assigned representative of Bank of America/ MBNA in 2016. Never received. I was instructed to write to another department at Bank of America/ MBNA . Again, no reply. I was told no negative actions would occur to me while in this process Bank of America/ MBNA set forth. Negative actions occurred, causing distress. ) Bank of America/ MBNA continues to cause additional distress, and it appears intentional.

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 2019-06-11
Company: Arete Financial Group
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Company Arete Financial Freedom mislead me over the phone into paying them {$790.00} for a service that it could have been at free cost to me through my service loan department ( XXXX ). I already have a debt paying my student loan to begin with. What make them think that is ok for people to give them money that it doesn't go into my loan debt account. I could have pay this {$790.00} into my own debt and bring the cost down of my principal to bring payments and the cost of the loan lower. They made me pay an amount of {$260.00} once at month for the next three month which started back on XX/XX/2019. They told me over the phone to go over the forms and signed them without giving time to read the contract. If I had the time to read over the contract, I would've never pay them this money. This is a trick that they use to mislead people and student to pay money. If they really want to help with our debt, they could have told me to go thorough my service loan department at free cost. I have also summited a complaint with the FTC Ref # XXXX and, will be calling the state Attorney General as well. I have emails and forms sent to me by the company ARETE Financial Freedom that I can send to you guys whenever they are requested. Their number is XXXX-XXXX-XXXX-XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
EXPERIAN isn't Putting Accurate inofmation on my CREDIT REPORT, I send them a letter and they haven't answer back AS SOON AS POSSIBLE

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 2023-08-31
Company: Westlake Services, LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a compilation fraud thing someone have stole my information and have be using it to get credit card and car loans in my name, address listed on my credit report Im not aware of and also hard/ softy inquiries Im not aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Kia Motors Finance  XXXX .   XXXX    XXXX   XXXX   XXXX , CA  XXXX  Subject : VIN #  XXXX  1 ) I bought a  XXXX   XXXX  on  XXXX    XXXX   and was offered a contract for service that I would only worry about gasoline and wash my car. Those words convinced me to accept it. Last  XXXX   XXXX , I found out that I had to pay for service and I was told that I could cancel that contract. I do think that after paying for 47 monthly payments I should be reimbursed for the whole amount paid until today, since your finance employee tricked me with a disonest explanation.    2 )  Also, I would like to request a waiver on my account number  XXXX  of {$30.00} caused by my typo mistake when making a payment in advance over the internet, instead of bank account, I typed  Kias  account number. I understand it is my responsibility to check it carefully, but I was not late, not even on the due date. It was an honest mistake. After my third call, I was told what was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My current balance is {$3700.00} ( credit limit of {$5000.00} ) with a minimum payment of {$300.00}. 

Their current Cardholder Agreement states " The minimum payment due each month will be an amount equal to 5.91 % of your highest outstanding new balance since your account was open or since your new balance was zero plus the greater of ( a ) any past due amount or ( b ) any amount by which your new balance exceeds your credit limit '' On the phone is was expressed to me that my minimum payment was based off an old balance of {$5000.00}. My balance exceeded my credit limit months ago and this no longer a NEW BALANCE. Their policy explicitly states a " NEW BALANCE '' is used in whatever the case. My minimum payment should be {$210.00} based off my " NEW balance '' since my account was open. This is a form of predatory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: VA
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 have disputed inaccurate information on my credit reporting. Attached will be better information being CRAs wrote they didnt understand my complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX XXXX I sent out dispute requesting method of verification for charged off account in the amount XXXX. As of today I still have not received anything. Ive been dealing with this dispute almost a year now and still have not received anything to validate or verify this account nor the proper steps or documentation they took to validate or verify the account prior to placing this on my report and to constantly allow it to be reported to my report as stated under 15 U.S.C 1681i Method of Verification was Not supplied!!! I recently sent out another dispute on XX/XX/2023 demanding them to comply. This matter is negatively impacting my life in many ways including my emotional state and time I constantly have to take out to dispute this and receive no help in this matter is very disturbing.

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 2023-03-22
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX is unwilling to replace or solve the money stolen from my gift card. The customer service is awful, and is highly suspicious of a scam. If you look at reviews on XXXX  and other websites you will find that multiple people are getting scammed by this business. They ask for your personal information to be faxed to them to get a replacement card which never happens. They hang up on you when you inquire about specific questions. This company needs to be investigated!

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