BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NC
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 attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
Experian-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX ( XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.

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 2017-11-07
Company: POPULAR BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened the account I inquired about when the $ XXXX deposit had to be made in order to qualify for the XXXX bonus. I was told it had to be made within 60 days of accounting opening and it was not mandatory to be made all at once. I followed up on XXXX/XXXX/XXXX with the online banking department and they could not confirm if or when I would get the bonus.

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 2022-08-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: BB&T CORPORATION
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Auto loan company called at XXXX I was in bed and thought it may have been my mom I answere the phone and the lady was calling to collect on our auto loan payment. I let her I would pay in three days and it's not 30 days late. She proceeded to try to harass me into making a payment I let her know I would make it. She kept insisting I make the payment now and I let her know it was late and after XXXX she didn't seem to really care and said she was just trying to collect payment. I let her know she isn't allowed to call after XXXX and so I hung up.

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 2019-08-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a home depot consumer credit card during some home renovations, it seemed like the perfect time because that's where I was getting most of my materials from. I signed up while they where having a promotion that gave you {$100.00} for spending {$1000.00}. I spent the amount required almost immediately after getting the card information and even called in just to verified that fulfilled the requirements for the {$100.00} promotion. The company rep confirmed to me over the phone that I was all set and should receive the credit within a couple billing cycles. After 2 billings cycles past I did not receive the credit so I called in again to check on it. This is where I started receiving different information, this rep told me I did not have that promotion and that she had to submit this for review. After a long wait their back office staff reviews the case and comes up with the idea to grace me with {$25.00} credit instead of the full {$100.00}, citing that because my order ( although placed at the same time all together in the same cart ) was charged separately so counted as different orders, thus making the offer not valid. If this isn't the biggest XXXX I've heard for a company to use to try to get out of paying me the agreed upon amount I don't know what is. Their own system charged the card in that manner and they see that it was the exact time of purchase yet they are telling me that is my fault and will not honor the deal we made.

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 monetary relief
Consumer complaint received 2019-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX placed a derogatory on my Equifax credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX letter and Equifax credit file. I was turned down for a loan because of Equifax 's erroneous reporting of the XXXX derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just checked my credit score on XXXX XXXX and XXXX is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called XXXX to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

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 2017-11-07
Company: Midwest Recovery Systems
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery systems placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a credit bureau telling me i have a negative mark on my credit.I do not owe this company and i have never done business with this company.Now my credit has been damaged because of XXXX. PS if i owe this show me something with my signature on it i can guarantee you ca n't. This was placed twice on my credit i wont this fixed and my credit restored.It was placed on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: VA
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:
THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX AND XXXX XXXX XXXX CLAIMS THAT THEY PROPERLY SENT ME NOTICE REQUIRED BY 15 USC 1692g, THIS IS NOT A TRUE STATEMENT FROM THEM, THEY MAY HAVE IN FACT MAILED LETTERS BUT I AM NOT IN RECEIPT OF THEM. I ALSO DID NOT GET ANY ACCOUNT LEVEL DOCUMENTATION. I FOUND OUT ABOUT THESE DEBTS BECAUSE THE ACCOUNTS WAS REPORTED TO MY CREDIT REPORT AND DROPPED MY SCORE VERY LOW DAMAGING CREDIT WORTHINESS. IF THESE ACCOUNTS DID IN FACT SEND A NOTICE, I WOULD LIKE TO SEE THE CERTIFIED MAIL RECEIPT, I REQUIRE PROOF OF MAILING ACCORDING TO THE MAILBOX RULE. I WAS NEVER GIVEN A CHANCE TO DISPUTE THE VALIDITY OF THE DEBT. THESE ACCOUNTS HAVE NOT ACTED IN ACCORDANCE WITH 15 USC 1692g. THESE ACCOUNTS ALSO CLAIM THEY ARE PERMITTED TO REPORT TO MY CREDIT REPORT EVEN AFTER I HAVE SENT OUT A CEASE-AND-DESIST ORDER TO STOP ANY COMMUNICATION. THESE ACCOUNTS ARE NOT CLEAR ON THE DEFINITION WITHIN 15 USC 1692c. I'LL QUOTE IT AGAIN STRAIGHT FROM THE FEDERAL LAW, " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' UNFORTUNATELY, THESE ACCOUNTS BELIEVES THAT COMMUNICATION ONLY CONSISTS OF PHONE CALLS, LETTERS, AND EMAILS. THE LAW IS CLEAR THAT ANY COMMUNICATION ABOUT THE DEBT IS A VIOLATION AFTER THE CEASE-AND-DESIST IS DELIVERED AT THE MAILBOX. FURTHERMORE, BECAUSE THESE ACCOUNTS DID NOT MAKE SURE I RECIEVED THE PROPER NOTICE UNDER 15 USC 1692g THAT IS A VIOLATION AS WELL. MY CEASE-AND-DESIST WAS BASED ON THE FACT THAT THESE ACCOUNTS COMMUNICATED TO THE CREDIT REPORTING AGENCIES, WHICH ARE " persons AN ALLEGED DEBT REGARDING ME. THE COMMUNICATION TO THE CREDIT REPORTING AGENCIES IS AN INDIRECT COMMUNICATION BECAUSE ITS NOT A COMMUNICATION DIRECTLY TO ME. COMMUNICATIONS DIRECTLY TO ME WOULD BE PHONE CALLS, LETTERS, AND EMAILS. COMMUNICATIONS INDIRECTLY TO ME WOULD BE REPORTING TO THE CREDIT REPORTING AGENCIES, CONTACTING MY EMPLOYER, CONTACTING A SPOUSE, CONTACTING ANY PERSON THROUGH ANY MEDIUM. ITS CLEAR WHAT PERFORMANCE XXXX XXXX XXXX IS SUPPOSED TO TAKE AND THEY HAVE CHOSEN TO NEGLECT THAT PERFORMANCE AT THE EXPENSE OF DAMAGING ME IN THE COMMERCE ARENA. XXXX XXXX XXXX SHOULD HAVE THEIR LAW DEPARTMENT REVIEW THIS MATTER AND THE ATTACHED SCREENSHOTS BECAUSE THERE ARE SEVERAL VIOLATIONS.

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 2017-11-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just checked my credit score on credit karma and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: COOLEY ENTERPRISES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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:
I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: KEYCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Every two weeks from late XXXX through XX/XX/XXXX, my alimony payments in Kansas which they fund to KeyBank have been hacked every two weeks. I have complained to the KeyBank, wrote a letter substantiating. They issued a new card. Today it happened again. So again they cancelled this new card which Ive had for just over a week. Last week, I received a notification from someone from XXXX XXXX XXXX  XXXX. It said it was a Notice of Data Breach. Indicated my personal information had been leaked/hacked from XXXX and XXXX had been breached between XX/XX/XXXX -XXXX  XXXX, XXXX. They didnt detect until XX/XX/XXXX. I believe this is connect. But only my debit card is being affected so far, not my checking accounts. Im very concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. TransUnion and XXXX  closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. TransUnion and XXXX   should be diligent in processing disputes, making sure to report only information that is factual and has been validated.

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 2017-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once inXX/XX/XXXXand once inXX/XX/XXXX. 
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter datedXX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date inXX/XX/XXXX 
I applied for a mortgage loan inXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that "XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.

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 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I was denied an extension of credit by Bank of America thru XXXX XXXX XXXX XXXX XXXX. According to the equal credit opportunity act it is against the law to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Civil liability has been assumed pursuant to 15 USC 1691 ( k ). Proof and evidence I have of the discrimination is the letter dated XXXX XXXX. This will be considered an unauthorized use since I have received no benefit. 15 USC 1681m, 15 USC 1642, and 12 CFR 1002 can be noted as well if my federally protected consumer rights violations.

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