BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Credit Karma, LLC
State: AZ
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:
Credit karma has done a lot of unlawful activities using my name that has made my life hard. I have a wife and XXXX kids can you please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is in reference to a charge-off account # XXXX with XXXX XXXX.I am currently on XXXX XXXX and have been since XXXX XXXXMy relative whom I put in charge to handle my affairs was denied twice in a XXXX branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to XXXXXXXX XXXX several times about the issue with no response.I also requested my account be placed on XXXX XXXX XXXX XXXX' .Subsequently XXXX XXXX reported my account as a charge-off to all 3 credit bureaus XXXX, EXPERIAN, AND XXXXI spoke with XXXXXXXX XXXX  service members escalation group case manager.I submitted my XXXX XXXX and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 1099 C cancellation of debt as XXXXXXXX XXXX has received a tax benefit for said debt, but failed to send me a XXXX which is required by law.I have also disputed this with EXPERIAN, XXXX AND XXXX. Instead of XXXX correcting the account or removing it, XXXXXXXX XXXX updated the balance amount with 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 2019-03-19
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was going over my credit report I noticed an from AR RESOURCES BAL {$1800.00} I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. 
If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for AR RESOURCES diligent examination of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MD
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:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report. 
**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX {$8400.00}

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 2023-10-03
Company: DISCOVER BANK
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Ref # XXXX I received a preapproval letter for a personal loan. Around XX/XX/XXXX I inquired and decided to apply because the first lady XXXX XXXX was highly informative and polite. She needed information that I did not have available and I called back the following day. I spoke with XXXX from Utah. He was polite but instructed me to use the website. Which most companies do these days. The website stated that I had been approved and to upload the last three statements of the bank account I wanted the funds deposited into. I did that. Then I received an email on XX/XX/XXXX that my loan was denied due to " insufficient ability to repay ''. I assumed it was an error because I have my direct deposit split over a few accounts. I did write a letter to Discover asking for reconsideration and providing my last XXXX pay stubs to show that I could pay the loan back and explain that the purpose of the loan was debt consolidation. The XXXX monthly payment to Discover was hundreds of dollars cheaper then what XXXX currently paying to each company. I figured it was close to the XXXX mark, so I decided to call. I spoke to XXXX different people. XXXX was polite but he told me it was beyond his control, and I would have to reapply, but he transferred me to XXXX. She explained there was nothing she could do since the loan was denied on XX/XX/XXXX even though I was not informed until XX/XX/XXXX. I explained to her that I had written a letter and provided proof of income. She told me that Discover was not concerned with the income but the in 's and out 's of my account. That was not explained to me. I submitted the account that I use to pay my bills because I was going to be paying off bills with the loan. Also, I work at a bank and I didn't want my coworkers in my personal business. Any one at the bank can see into our accounts. She repeated there is no one here that can help you. It sounded like she was working remotely, so Im sure no one there could help me. She did not try to ask a manager or supervisor because this was a misunderstanding. A week or so later a man called stating he received my letter and the only thing I could do was reapply. This is unfair and misleading. Had I known what Discover was looking for I would've submitted a different account. Being a financial institution Im sure they're aware that customers can have multiple accounts. I would've been open to reapplying if I had made a mistake and If my credit score had not taken hit from the first application. I know that it has been a few months, but it just seems unfair and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I was placed in collections by Paramount Recovery Services for {$920.00}. I do not recognize this amount owed nor the companies claiming this debt. My XXXX XXXX report sates that XXXX XXXX XXXX is the original debtor which hired Paramount to collect the unidentifiable charge. I have never received any notifications via mail, email or phone call. Based on XXXX it appears that many false claims have been made by Paramount Recovery Services. it seems to be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
While I went to Delta website to book flight tickets, I saw at the payment page that I will get below benefits if I will apply and approved for The Delta SkyMiles Gold American Express credit card. I have applied and AMEX did a credit inquiry instantly, which ultimately my credit score impacted. I got the digital copy of the credit card ASAP. But I am unable to book the ticket with that card as AMEX declined the transaction of {$8400.00} of the ticket amount I was booking. When I called AMEX support they said that I have to wait 2 weeks to have the physical card to be eligible for ticket purchase beyond {$1000.00}. This is misleading and cheating to people if they have put the advertisement to apply this card to get {$400.00} statement credit and XXXX miles if one applies this credit card while purchasing ticket. Why they didn't mention that they have restriction to buy ticket beyond {$1000.00} for 2 weeks? There is no point putting advertisement to apply during booking. Since I am unable to pay {$8400.00} to buy ticket, I have used my other credit card in order to lock the ticket price.

See the exact lines as below, AMEX mentioned while applying. Do they expect, that I will again book one more ticket in 6 months beyond {$2000.00} to get the benefit? Appreciate if you take action on these credit card companies for making false advertisements. 

Statement Credit Issued Approximately XXXX Weeks After You Make A Delta Purchase On Your Card In Your First 6 Months. Bonus Miles Will Be Issued After You Make {$2000.00} In Eligible Purchases On Your New Card In Your First 6 Months. Earn A {$400.00} Statement Credit And XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a chime online bank account. I had an issue with a merchant not refunding my money. I filed a dispute with chime about the merchant and closed my account. After several weeks the dispute was found in my favor and I was told I would receive a refund. The problem is I closed my account so chime bank can't credit my account. I tried a multitude of times to email customer service about my account and never heard back from anyone. I figured chime would just send me a check. I then called chime support two different times and after being on hold for over an hour to speak to a live agent I was able to speakb to a customer service agent with chime bank. I was told it could take up to 3 months to refund my money since my account was closed. When I questioned the agent about the time frame they hung up on me. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB, I went in branch to open a new personal checking account at US Bank in XX/XX/2022 with the promo as following : Earn {$500.00} with total direct deposits of {$6000.00} or more, Enroll in online banking, Complete two or more direct deposits. I satisfied the conditions, and it has been over 60 days, but I do not see promotional credits posting on the account. 
This has been very frustrating experience for me! 
Please kindly advise!

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2018 i was charged {$1600.00} for ambulance services, i have never been in an ambulance. i tried to clear it with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX to no avail, they refuse to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: MA
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 sent a letter on XX/XX/XXXX, requesting to remove the following items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX EXPERIAN BUSINESS CRED 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed 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 explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XXXX and and maintained at least 70 days. So far still do not receive the bonus from Citi. 
I received the personal invitation code XXXX from the bank and did what they requested, they should credit the {$500.00} right away

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 2023-02-20
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Information belongs to someone else

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents provided. I want the bureau to commence an investigation into these accounts, despite my consistent on-time payments, as they are erroneously being reported as late.

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 2023-02-20
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I reached out to CFPB to resolve an issue I was having with One Main Financial. The complaint ID is XXXX. Due to the nature of the loan or the loan originating out of fraud, One Main Financial agreed to waive all interest and late fees from the account. Per my credit report, they have been reporting the late fees and interest fees after the agreement had been reached. I harassed on a daily about late payments or resuming the payment of the fraudulent loan. When I tried to pay on the balance I was told the account was sent to collections. If the loan was originated fraudulently and One Main Financial is fully aware that this was done on their behalf due to an employee they hired, why are they able to make these reports on my credit profile. I am seeking immediate assistance. I do not think that is ethical they have employees stealing from their customers and then they are able to make reports on your credit profile because they messed up.

Company response to consumer: Closed with explanation