BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: AMERICAN EXPRESS COMPANY
State: CA
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/2019 I applied for Amex platinum and got approved the application was done through the phone. Before we started the application i asked the customer service representative if doing it through the phone would affect the bonus points offer he said no that I would get those points regardless so I said okay proceed then. When I called on XX/XX/2019 and asked her details on my account come to find out the code for the bonus points is not there therefore they cant do anything, luckly I spoke to a nice lady I dont remember her name but she got me in touch with her superiors and final result they said the bonus points would be honored I was soo happy the representative said her superior would be monitoring my account and as soon as I spend those XXXX dollars within the 3 months I would be getting those points. Today XX/XX/2019 I call excited because I made the XXXX dollar purchase ( non refundable ) they tell me that they reviewed my account on XX/XX/2019 and they said Amex error this is the worst day of my life I want to cry I payed XXXX fee for a charge card that i dont never need I just wanted those bonus points I really hope amex honors what they advertised Im still hoping this is an Aprils fools kind of thing please somebody help me. These major companies are quick to XXXX us over but where are customers rights!! Amex take responsibility

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

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 2021-07-06
Company: CBC Companies, Inc.
State: MD
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:
On several occasions my credit was ran without my permission. I do not hold any accounts with the following creditors. Please remove immediatey.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The following Financial Companies reported late payments to the three reporting credit agencies on my XXXX XXXX, Capital one, and XXXX XXXX XXXX XXXX XXXX  of Maryland Accounts. Before they made the report, I called to negotiate with them that I was going through financial hardship due to a medial XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my medical XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The companies and late payments is as follows : XXXX XXXX XXXX XXXX 60 days late All 3 report Agencies XXXX XXXX 30 days late All 3 report Agencies Capital On XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 60 Days Late All 3 report XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX 30 Days Late All 3 report Agencies XX/XX/XXXX. 60 Days Late All 3 report Agencies XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX  60 days Late All 3 report Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was recently a victim of credit card fraud and identity theft. Someone had opened a Citi Bank card in my name so I contacted Citi Bank and they refused to do anything about it. I then contacted the three credit reporting companies. XXXX refuses to take a Citi Bank card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with XXXX. XXXX now shows the account as closed on my report and it is hurting my credit score.

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 2019-04-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was preparing for a boat trip with my mother when she got 2 notificiations that money had been taken from her paypal so i checked and i was shocked and i still am. I asked the site that the money had been paid from but i could only get a refund from one of them but i havent got the money back yet. the other site was a donation site so i couldnt. i deleted all the saved credit cards on my paypal and reported this to paypal and im still waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX college in XX/XX/XXXX and moved to Colorado for XXXX school, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. XXXX and XXXX still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those years.

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 2019-04-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Why does XXXX XXXX allowed to have companies that advertise and they endorse that say they can help you fix your credit by offering consolidation loans and then they tell you that unless you have a score of 700 or above they can't help you, in the mean time run a hard credit check and bring down your score more? 
I have gotten numerous emails, texts, and phone calls from companies endorsed by XXXX XXXX that just say that my score of XXXX prevents them from financing me. That unless I have a score of 700 or above that they can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: ERC
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: Old information reappears or never goes away

Complaint:
ENHANCED RECOVERY COMPANY Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} XXXX  ( XXXX XXXX XXXX ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened onXX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an account ( credit card ) with your company since XX/XX/2014 which it was charged-off, this account was under the management of XXXX XXXX XXXX, they affirm that this account has been paid off according to the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Been having credit problems. Tried to close accounts but cant.Now my credit scores is low. Am a father with XXXX lovely children. Tierd of paying rent. Me as a father just want to have my own home but all these hard inquiry wont let meget a loan any where. 

P.s please help me with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX  california car dealership to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX  and XXXX. Below  are the companies that accessed my credit report that need to be removed. 

XXXX  : XXXX- XXXX : Capital One XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was a result of identify theft and is NOT a valid debt owed by me. The collection is reported on my credit file with XXXX. I contacted the original creditor XXXX XXXX in XX/XX/2018 and the current debt collection company ( RentDebt Automated Collection ). My documentation supporting the dispute such as a police report, filing with the FTC, letter to the original creditor and ID, etc has been provided to the debt collection company and XXXX ; however, the collection company maintains the account status is valid debt and the collection remains on my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do a loan modification with Chase and all they do is give me the runaround I'm 72 mo behind they dont let me make payments I have aens all doc in but always asking more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EOS Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is reporting a ticket I receive in XXXX as a new charge off in XX/XX/XXXX on my report and refused to remove it even after I have paid. Tickets are not suppose to report on credit reports. Also this debt didnt arise from a contract I agreed to pay so shouldnt be reported as a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: AES/PHEAA
State: OH
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:
XXXX 's business practices are shady at best. Online correspondances are deleted from the site, forcing me to save every document separately. In regards to PSLF payment tracking, I have been forced to change to XXXX because they are the only servicer available for PSLF  candidates. Every year when I submit my employment certification they mess up my tracking and either refuse to approve my employment dates, or use the wrong dates that are not even included in the application submitted. I truly feel they are intentionally messing up these applications to put borrowers behind in making their 120 qualifying payments and avoid standing up to their end of the program. With my current submission, the initial application was approved for the wrong dates. When I resubmitted and asked for them to look at the application dates again, the same application was rejected. How can they approve and then deny the exact same application if something isn't going on? I have been working on correcting this issue since XXXX and have yet to receive a satisfactory response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and Transunion are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and XXXX will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX  XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX  balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how XXXX I ever pay anything. This seems like ti is very bias towards certain people. XXXX  is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..

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 2018-03-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have made payments to this company on top of they are garnishing my wages I have asked them not to contact me or my wife about this debt. They still call my Wife everyday and myself three time a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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: Didn't receive services that were advertised

Complaint:
1..I doing the Best to increase my credit score, 8 years ago from a Bankruptcy but i still waiting to removed this Bankruptcy to continue my life. XXXX XXXX all ready did..i will like to buy me a House but cant'not do it..porfavor removed.to continue my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my Equifax credit Report its showing that I have a closed child support account, the amount owed is incorrect, the date it was opened per Equifax was XX/XX/XXXX, I wasnt born until XX/XX/XXXX, I no longer live in Kansas, so they arent allowed by law to collect child support on my behalf. Its been dismissed since I left that state and Equifax will not remove this false info off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to Experian and XXXX  ... Experian and XXXX  still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...

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 2020-01-27
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AWA COLLECTIONS HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$2300.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.

Company response to consumer: Closed with explanation