BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
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:
American Express offered a promotion for {$30.00} off of a {$30.00} or more purchase on XXXX purchase. The offer isn't valid for promotional offers or urls with the word promo ihe the address. My internet history shows I went to XXXX. I purchase {$55.00} worth of wine without a discount applied. I did not receive the American Express offer because they said in addition to the steps I followed the merchant needs to send a specific merchant name across to trigger the promotion. American Express will not give the credit due to a technical issue between American Express and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, Discover decided to close my account without warning due to my personal information being incorrect. The information given on the app was not incorrect and was in fact correct. Two weeks before that, my card was locked and when I called Discover the had me fill out a form confirming my information and they said my account will be fine now. Just for in the next weeks, I would get an email saying my account is closed. I was not missing any payments, in fact I was paying more than the app was suggesting to. This closure made a negative effect on my credit score and no one at Discover seems to want to help me or give me the answers I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: I.C. System, 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 have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX ). I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and I C SYSTEM ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is reporting a charged off account on my credit report that should not be there. The account was charged off on XX/XX/2020 and on XXXX XXXX the account was placed with a collection agency called XXXX XXXX. Now capital one and XXXX XXXX are both reporting the same account twice with is against the law. You can not report the same account with the same balance twice on the report. Capital One needs to remove this account asap as they sold it already to XXXX XXXX. 

My obligation is to work with them alone on this and not Capital One. Capital One needs to delete this trade line from all 3 bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: CITIBANK, N.A.
State: MI
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:
Dear Sir, I have paid off my complete balance amount and closed the individual citi bank credit card on XX/XX/18. Again, citi bank came up with foreign transaction fee and statement generated on XX/XX/2018. As per the statement, I have paid foreign transaction fee on XX/XX/2018.  But, Citi bank has tendency of destroying transactions and stopped generating statement for the amount paid on XX/XX/2018. I have been waiting for the XX/XX/XXXX statement and transactions taken place on XX/XX/2018. I checked online account and also USPS mail, there are no transactions displayed in my account between XX/XX/XXXX and XX/XX/2018, also no statement generated between XX/XX/XXXX and XX/XX/2018, complete my transaction details missing. I called up CIti bank customer care and their response is not appropriate and unsatisfactory. I am not sure, why Citi Bank causing troubles to customer and every last statement and transactions missing in my individual closed credit card. For any kind of fraud and tampering my individual credit cards, citi bank holds the legal accountability and responsibility. Could you kindly direct Citi Bank to update my XX/XX/XXXX Statement'XX/XX/2018 and transaction online for individual credit card, send me on copy of XX/XX/2018 statement over the postal service and also attach the XX/XX/2018 statement to Consumer finance protection bureau complaint 's response.

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 2020-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
Credit Acceptance made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted Credit Acceptance, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX violated my rights Under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy.

already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ).

You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

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 2019-04-18
Company: LCO Financial Services, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They charge more than Colorado allowed fees.

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 2020-09-08
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with XXXX XXXX XXXX. When I complain XXXX XXXX XXXX responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by 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 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 explanation
Consumer complaint received 2019-05-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card called Care credit through Synchrony bank my credit limit was {$1500.00}. I had a balance of XXXX dollars and I paid it off this XX/XX/2019 As soon as I paid it off they closed my account stating that my credit to low and some other stuff that was supposed to be on my credit report.If that was the problem why did they allow me to get the card in the first place. I had the card over a year or so.they told me that I would have to go through the whole process again to get try and get the card back.

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 2018-03-07
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent in payment on XX/XX/XXXX its now XXXX XXXX on XX/XX/XXXXand nothing has processed for the payment sent in to pay in full a loan XXXX balance off of just under {$950.00}, that I sent in payment of {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAVALRY INVESTMENTS, LLC
State: RI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX after they repossessed my car, demanding I pay XXXX immediately to get my car back. I didn't have that money up front and I tried to negotiate with them in working on a payment plan or pay back the payments I had but they wouldn't want to do that and at that time my car was still available. On XX/XX/XXXX I received another letter account number XXXX ( account to auto loan ) had been sold for XXXX! How was I supposed to come up with 8 plus grand in one month! I remember talking with XXXX XXXX XXXX who was so rude and unprofessional that talking to him trying to take care of this was very difficult and he retired shortly after we spoke before XX/XX/XXXX letter. On XX/XX/XXXX I received a letter threatening to sue me for my outstanding loan balance signed by XXXX XXXX. XX/XX/XXXX another threat in attempting to collect the debt by which I never spoke to XXXX because of the first time. Never heard from XXXX though it was sold to a third party debt collector Calvary Portfolio services. Not sure exactly when but it was beginning of XX/XX/XXXX I believe XX/XX/XXXX according to affidavit claim ( letter attached ) On XXXX XXXX I sent Calvary Portfolio a letter asking them to verify the debt before making any payments ( letter attached ). Calvary never responded to the letter within the 30 days according the FCRA and never heard from them until XX/XX/XXXX not sure the exact date I was served a summons for a credit card account with XXXX which I never opened XXXX? I had a line of credit but never owned a credit card. I responded on XX/XX/XXXX and received the summons 20 days before that XX/XX/XXXX. I stated that I object to balance owed and I never took out a CC with them and it was the account ending in XXXX? I don't even know what that account is? I never banked with XXXX after all this. 
On XX/XX/XXXX I had packet with my paperwork signed by me in regards to the auto loan and the repossession fees etc and a court date of XX/XX/XXXX. I thought the letter was a another attempt to collect and I never showed up to court thinking the state of limitations was long passed and only making a final payment in XX/XX/XXXX. A judgment was entered of the day of the no show and one year later my wages are being garnished through my work! How did they get that information? How did they know where I worked? I was never notified or properly served and I didnt know I could dispute it. I also wasnt given the proper documents to even challenge the judgement I never received anything that there was a judgement against me. I found out after my wages were garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

XXXX is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with XXXX on XX/XX/2020 around XXXX  I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that XXXX had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

XXXX is using predatory tactics, and illegal tactics.

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 2018-10-04
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:
XXXX XXXX, XXXX @ XXXX XXXX legitimate business to check your credit .credit is not bring reviewed by a prospective lender .laon application number XXXX XXXX And XXXX declined by XXXX XXXX XXXX XXXX XXXX XXXX decision XXXX decision experian bankruptcy applicant XXXX approved credit investigation medical records {$26000.00} no treatment five hospitals district of columbia

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 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2018 I called to inquire about Internet service through XXXX XXXX and was asked to provide my physical address. I asked them if they were going to do a credit check and they responded with no. I told the agent I was not authorizing any credit checks at this time. I received a notice that my credit had been pulled and contacted XXXX XXXX and asked for them to remove it. I received no help from them and proceeded to call Trans Union for assistance. I filed a claim and was told that there was nothing they could do to help me that I would have to resolve it with XXXX XXXX. I never authorized my credit to be pulled. They ran a credit report by my physical address. Please help me and removing the credit inquiry from XXXX XXXX from my credit report. The inquiry was made today XX/XX/2018. Sincerely 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 2021-03-02
Company: GLOBAL PAYMENTS DIRECT 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 have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}

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 2018-03-07
Company: EQUIFAX, 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 account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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 have for now multiple times attempted to resolve these issues with Equifax, however they refuse to do anything. I have sent them a copy of my state issued ID mail from my current address copy of credit report copy of Federal Trade Commission 's Identity theft affidavit for the below listed items. 

XXXX XXXX XXXX Acct # XXXX {$600.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} Unknown - Company not Listed Acct # XXXX {$4200.00} Unknown - Company not Listed Acct # XXXX {$530.00} XXXX XXXX XXXX Acct # XXXX {$720.00} Multiple soft inquiries as well as hard inquiries never acquired are also on my credit report, as well as multiple mispelled names and addresses I have never lived at.

Company response to consumer: Closed with explanation