BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American express promote {$150.00} bonus for {$1000.00} spending. 

Blue cash everyday card from American express. 

Amex claims there's no such bonus for existing customer. There was no alert/ popup during card application. 

this is mass fraud. 

I want CFPB to take a deeper look into Amex recent complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NJ
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Company: Experian Information Solutions Inc.
State: AZ
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 just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX Balance {$570.00}, XXXX XXXX XXXX Balance {$1100.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX ( XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$710.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00}, XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$830.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX ) showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items 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 2020-03-11
Company: Experian Information Solutions Inc.
State: TX
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:
Although I have shown Experian that XXXX has been unable to validate a {$4900.00} balance Experian has continued to report this inaccurate and false information.

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 2023-11-30
Company: Westlake Services, LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX late payment Was turned into my credit report I was told NOT TO PAY because BYTE was not going to be able to provide services to me. So it was on hold for 2 months. They did not notify the debt collector ( XXXX portfoilio management ) and now I have 2 late payments. 

In XX/XX/2023 XXXX reached out to XXXX to tell them it is their fault that I was late. XXXX still has not taken this off my credit report.

It was not my fault I was late, I owe them nothing No late fees No missed payments All the rest of the year. 

I want it taken off my credit report! I have the emails from BYTE, proving they have admitted fault and they are trying to fix it. Yet here I sit with a bad credit because of BYTE AND XXXX. Very very angry! I want it fixed!

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 2023-03-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-12-23
Company: Experian Information Solutions Inc.
State: NJ
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2020-03-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEM, INC has continued reporting false and inaccurate information on all three of my credit report. 
Even though they have been unable to validate the debt, they continue to report this false and damaging and inaccurate information on all three of my credit reports.

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 2018-03-12
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I paid off my home mortgage with US Bank on my home at XXXX XXXX XXXX, VA XXXX in the early fall of 2017. 
I called US Bank Home Mortgage last month and asked them where my final release papers were and they said they were sent to XXXX XXXX NC. I had my neighbor look in the mailbox there but they was not found. I requested they resend them toXXXX XXXX XXXX XXXX. They havent arrived. I request US Bank Home Mortgage to send the original note, mortgage, release documents and statement that my mortgage is paid in full to XXXX XXXX XXXX XXXX, VA XXXX. 
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 2021-06-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I want to sue toyota financial services because in XXXX they made me a credit extension in my name in which after the credit transaction they made me sign a promissory note ( contract ) in which I delivered my property to them in a deceptive way. The contract that contained an arbitration clause that was never shown to me nor was I required to read, now in XX/XX/XXXX I got a copy of this presumptive contract that clearly shows the amount of credit that was taken in my name to pay the XXXX XXXX XXXX ( XXXX ) which was the product for which I signed a credit application and after they extend my credit and pay the car to the dealer number XXXX they made me sign a contract in which they discredited me as a debtor. This contract has many presumptive and deceptive clauses which I would never sign if that transaction were made today. I also have evidence of a guarantee that they sold me with the excuse that if I took that guarantee they would lower the interest of the car, an offer to which I agreed since it was an unfair deal to sell me their mandatory product, a product which I canceled after a week and the money was added to the capital balance on XX/XX/XXXX for the amount of XXXX this amount was also used from my credit with my consent but in a fraudulent and deceptive way, for that reason it was refunded to the account capital. I demand that I be given the amount of credit that they took in my name to pay the dealer and then they sold me a contract in which I delivered my property to them in a deceptive way. And if they refuse to pay me I will take them to court and they will have to show where they got the money from and show that credit transaction and I have proof that the guarantee that I canceled was put in the capital of the contract, that proof is enough to show that my credit was extended and you see I pay the car in full but not with their funds. 12 CFR 1026.36 - 15 USC 1692B- 15 USC 1602. I am the consumer, a natural person, none of the codes define me as a debtor and they defamed me in their contract saying that I am a debtor because they deceived me with their presumptive contract. 15 USC 1602h 15 USC 1602 I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Systems international has continued to report false and inaacurate information on all three of my credit reports. They have been unable to validate the debt but continue to report this false information. 

I will be filing criminal charges against them as well as seeking legal remedies for conspiracy to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: MI
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:
these collection accounts ( XXXX XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is a discrepancy in the reporting of a late payment for this account for XXXX of 2020. I contacted Capital one to discuss the inaccuracy but it is still reporting as a negative on my credit report. This inaccurate information is in violation of FCRA and to me as a consumer. There is no proof that I was late. Attached is a screenshot of the account from my credit report which shows the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My roommate paid me through cash app for his portion of the rent, and I have been attempting to cash it out ( {$650.00} ) for 2 weeks. I contacted cash app immediately upon getting an error that there was suspicious activity on my account.

I have spoke to them by phone, chat and email, and it has been more than the 10 days that the EFTA dictates for responding to these types of issues. I still have not been given an explanation or had my funds mad accessible. 
The funds were paid to me on XX/XX/XXXX. I attempted to withdraw the funds on the same day and got an error message. I initiated chat with support and described the issue on XX/XX/XXXX immediately following the message. I received a generic response saying that my issue had been escalated and that the department investigating the issue was only going to communicate by email. 
I received a request for feedback on how they handled my complaint on XX/XX/XXXX, but to date have not received any explanation or updates beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are 2 different open dates XX/XX/2013 and XX/XX/2013, The amounts of XXXX and XXXX This is my second time filing a complaint about US EDU DEPT it has been well over 30 days with no response or a validation of debt. Under 15 U.S. Code S 1692 ( g ) b i have the rights as a consumer to ask for validation of debt.

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 2022-03-19
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am presently involved in a medical malpractice litigation against a hospital. My previous LawFirm ( XXXX of XXXX XXXX ) made me see an XXXX doctor that I did not seek as a medical provider for my care. The LawFirm chose the doctor and sent me to him. This was in XXXX AR RESOURCES INC Original creditor : XXXX XXXX XXXX  XXXX XXXX in the amount of {$1400.00}. Well, I since parted ways with the Law office of XXXX XXXX for new representation on my case. XXXX XXXX office sent me to this doctor, I didnt request them, therefore I am not responsible for this bill. XXXX XXXX is!! This has dropped my XXXX credit score approximately 87pts.. Going from XXXX to XXXX. Please get this unjust report off my credit reports. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023, I had contacted Affirm regarding a purchase made and financed through them. I am able to see that each payment has been made and the amount, however there is no option for a monthly statement or any kind of breakdown or analysis on principal and interest of each payment. 

As an XXXX XXXX XXXX XXXX XXXX, I keep detailed personal financial records for budgeting purposes. While i may have the wherewithal to come within a reasonable estimate for my purposes, the fact that they can not and will not provide this information to consumers is unacceptable. The lack of transparency, through my point of view, is a predatory practice which unequivocally affects the less educated consumer, who would have no clue how much they are truly paying in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: WA
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:
My identity got stolen. I have reached out several time to the credit bureaus through the CFPB and regular mail through the United States Postal Service. I have filed a police report, FTC report, and complaint here.

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 2021-06-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After losing my job in 2019 i requested help from my lender for mortgage assistance. I was willing to pay and only wanted to redo my loan to something i could afford. After almost six months of back and forth i was denied and they would not accept partial payments to try and catch up so they filed for foreclosure. Then XXXX hit and the courts were closed down until in XXXX my loan was sold to another company which meant that i had to start over which i did but after 3 attempts the new mortgage company denied me and continued with the foreclosure. I have repeatedly tried to try and arrange a modification to stay in my home of 50 years but they basically said i was out of luck. I am willing to pay my mortgage all i wanted was a reasonable payment that i can afford but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a dispute because the information on this account is not accurate. The debt on this account has been settled and the balance on this account is {$0.00}. I have proof from the collection agency that this debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MO
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:
PLEASE LOOK AT MY CREDIT REPORT. I HAVE HAD A FREEZE ON ALL 3 CREDIT BUREAUS AND HARD INQUIRIES ARE STILL HAPPENING. IF THE CREDIT COMPANIES DON'T FIX AND CFPB DON'T FIX, WHAT IS MY NEXT STEP. THE HARD INQUIRIES ARE KILLING ME. I RECENTLY ( 1 WEEK AGO ) TOOK THE FREEZES OFF ALL THREE. I RECENTLY HAVER TRIED TO GET A XXXX XXXX  ON BALANCE TRANSFERS BUT DENIED DUE TO HARD INQUIRIES. INITIALLY I HAD THE SAME PROBLEM WITH EQUIFAX, XXXX, AND XXXX. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW XXXX. MY SCORE WILL BE XXXX OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Navient Solutions, LLC.
State: TX
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:
Spoke with a representative with Navient and verified that the student loan for XXXX XXXX XXXX does not belong to me. I never attended XXXX XXXX XXXX and did not take out a loan for the school. The representative with Navient acknowledged and verified the loan does not belong to me and would send me information on how to file a police report, and a letter to submit to Navient to have them remove the information. That information was not sent to the email that I provided. I only received an email verifying that the call took place. I requested the original documents showing that I had taken the loan out to be mailed to me and the information on how to file a police report and the letter. I disputed Navient through XXXX and again they verified this loan as mine. I want to file a complaint for all the time Navient has shown on my credit incorrectly and the proof of inquiries that have turned me down for credit since they have been fraudulently reporting on my credit, incorrect information.

Company response to consumer: Closed with explanation