BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: Upstart Holdings, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a loan with upstart through XXXX XXXX advertisement on XXXX XXXX. This was a backed by XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. This advertisement is for people with credit challenges and pre qualify them for the amount to apply. I passed the pre qualification check and recommended amount was {$4600.00} which was to be used for bill consolidation. I provided all of the requested documents. After waiting and waiting, I phone upstart and they replied back telling me they could not verify information on the application. Everything on application is true and I phone many consumers and no one had called to verify anything about my accounts on application. When i asked what could not be verified, they replied on XX/XX/2021 stating they can not disclose any specific details about the inconsistencies as that is proprietary information. XXXX XXXX XXXX was the name attached to email. I notice the action was taken because of 2 major differences in credit scores in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Advertised on Bank of America 's website was a promotion for opening a new savings account. I opened an account and deposited the money ( >  {$150000.00} ) on XXXX/XXXX/XXXX. 

After meeting the terms of the promotion, I noted the promo money ( {$500.00} ) was not deposited into my account. I phoned BOA on XXXX. After being on the phone for one hour with the representative, she located the promotion and told me the amount would be deposited in my account within 3 days. 

On XXXX/XXXX/XXXX BOA phoned me and advised that I would need to bring a copy of the promotion to my local branch as " proof ''. I complied. The branch manager ( XXXX ) scanned it into the database and I received a call today ( XXXX ) from XXXX that the marketing department was refusing to pay the bonus because the promotion was only for targeted customers. 

The promotion was advertised on the public website so I am unsure how the promotion can be only for targeted customers. There is no mention in the promotion that only certain humans qualify. The copy of the promotion is attached. This is yet another example of the nefarious practices of big banks.

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 2018-06-04
Company: Trident Asset Management, L.L.C.
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:
I cancelled their service, and turned in all of the equipment on XX/XX/XXXX The balance is {$2900.00} I have requested they remove this collection on XX/XX/XXXX They have not removed the collection from my credit report. 
The collection company denied my dispute. 
The collection is to old to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second complaint and a written request to be use in a court of law as proof of my intents to clear my name about this matter, I had been a victim of identity theft .Transunion had refused to remove this account.They removed the account on XX/XX/XXXX, and placed back on XX/XX/XXXX, this is a violation of the FCRA. Account removed can no be placed back without a written notification 5 day before placing the account back on. In this case more than 30 days has pass without a written notification, also this is an identity theft case an FTC complaint had been filed, they are no following consumer laws Or FCRA.

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 2022-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, INC.
State: SC
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 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
One main was disputed by all credit bureaus in the month of XXXX. A letter of debt validation was never received in response to any of the disputes. The account was removed from XXXX report ( I have provided the screen shot displaying this information ) but came back verified on XXXX ( I am also attaching the documentation from Experian showing verified status as of XX/XX/XXXX. On XX/XX/XXXX the company One main reached out to me in the form of a letter ( attaching a copy of that as well ) not to provide documentation or any contractual agreements for this alleged debt but a letter willing to reduce the debt amount significantly up to 90 % in hopes that I would contact them and settle and I did not. The letter stated this was the 'Final Opportunity '' and that I had to respond before XX/XX/XXXX. On today XX/XX/XXXX my XXXX credit score took a 96 point  decrease which is detrimental making it very difficult almost impossible to acquire credit especially when you were looking to buy a house in the next couple of months due the account jumping from a closed status to open without my knowledge or any documentation in writing saying an account that has been closed since XX/XX/XXXXis now open and not only open but has a missed payment causing my payment history to decrease from 100 % to 96 % and my credit age history to drop because it is now factoring this account. I have attached screenshots for all this information. I need this information reviewed and corrected and removed immediately. I am beyond upset and frustrated the amount of ways and things a company go about affecting a consumer 's everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section.

Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. 
Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section.

Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX began contacting family members of mine who I have not spoken to in years and who do not live anywhere near me in XXXX of XXXX about a debt. They claimed that I was facing serious legal repercussions and threats of court if the family member did not have us contact XXXX XXXX right away. 
After contacting them and asking them repeatedly not to call they stated this was for a debt incurred over 6 years ago through HSBC. I asked them to send written proof of the debt to me in the mail, which I have yet to receive ( I requested this over a month ago ). 
About a week passed and they called again threatening to take everything I own, including my truck. They said the debt was a credit card through HSBC. I once more asked for written proof, which they demanded that they sent to me. They then emailed me a settlement form and said if I did n't sign it in within a few days that they would come and take my truck. 
I called HSBC and they had no record of this debt, nor is the debt appearing on my credit report. I asked XXXX XXXX XXXX about this and they claimed that it wo n't be on my credit report because they just purchased the debt? 
They continue to call and harass me and my distant family members demanding that this {$300.00} debt be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold something using the XXXX website and the buyer purchased the item for me through PayPal which we both have an account. PayPal requires you to upload tracking number and funds are normally available unless they determine them to be held period in this situation because a tracking number was uploaded my phone should have been available one day after the item was delivered. The item was delivered  on XX/XX/XXXX which is shown on the PayPal website. I have tried to contact PayPal numerous times including today in which I am still am receiving excuses on why the funds are not available. I have asked them to immediately make the funds available to me and yet they continue to provide excuses. I am asking for the funds to be available and to be provided compensation for damages and time spent on trying to receive my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: OR
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:
Citi Bank/Citi Cards website has not been working properly for two months. I am getting billed for what is probably the right amount, but when I go on line to print a copy of my statements for my two credit cards, they are not available.

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 2022-04-01
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used XXXX XXXX and SagaStream, LLC. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( XXXX XXXX and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SageStream LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Information belongs to someone else

Complaint:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
CAP ONE AUTO There are 3 late payments that I would like removed - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reported an alleged XXXX XXXX credit card account to credit reporting bureau for investigation. After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. 
The merchant, XXXX XXXX XXXX  has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The XXXX XXXX account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions  subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. 
All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.

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 2022-04-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
hi i made a complaint on XX/XX/22 complaint ID # XXXX about inquiries that is deem fraudulent and my inquiries were not removed upon the investigation. I request a reinvestigation under 15 USC 1681A Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, my debit card was stolen on XX/XX/XXXX and used at 2 different casinos, total of 2 charged transactions. I reported fraudulent charges with my bank BMO Harris Bank the next day after seeing my card was used. I also reported to the local police department XXXX Police Department ( XXXX ) XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX my bank credited for those charges. As of today XX/XX/XXXX, I have not received any letter or message regarding my account, but I noticed the credit has been reversed. I called the 24 hour customer service this morning and the representative told me BMO Harris is denying my claim because " merchant provided evidence '' and have reversed the credit on my account. I do not know what that means, but that's all he could tell me regarding the claim.

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 2017-10-26
Company: Gatestone & Co. International Inc.
State: RI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple dates from XX/XX/XXXX2017 - present. 
I had a representative from XXXX call my job up to 5 times a day, which ended up practically harassing my employees. 
When I finally was there to speak, she was asking me personal questions and trying to get me to tell her how much I made at my job. I already explained to her that I work in a store with NO office. I 'm in the middle of a live store on the phone with her while my employees AND customers are next to me. I could not tell her any of this information. I gave her my personal cell number. 
She called multiple times afterwards just that week. She called again about a week ago and I told her the same thing. I got pretty angry with her. 
I believe her name was XXXX? Or something simliar to that. 
Calling someones job should NOT be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
It has been over 13 weeks since meeting the spending requirements to receive XXXX membership rewards points on my XXXX XXXX card from American Express. I have n't received any points. 

It has been over 13 weeks since meeting the spending requirements to receive XXXX Delta Skymiles on my Delta Platinum card from American Express. I have n't received any points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Their investigation did not fix an error on your report

Complaint:
I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted Experian, XXXX, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.

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