BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a problem.

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 2019-12-17
Company: Experian Information Solutions 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:
Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XXXX, -XXXX  with 36mo terms would have either become delinquent in first year or been paid in full by XXXX or aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XXXX as a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

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 2018-04-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay if full {$73.00} on XX/XX/XXXX the HSN card and the agent told me that the account was pay in full. Now all of sudden they charging me late fee again since XX/XX/XXXX. I call XX/XX/XXXX and the attitude of these agent are unacceptable when I am very sick having health, XXXX   problem and have been diagnosed with XXXX XXXX XXXX XXXX. I told the agent if the bill was due on XX/XX/XXXXwhy didn't the agent that took the payment didn't tell me there will be a late charge. He claim she could have not see the late fee. Which we all know that is a lie. One day late and XXXX XXXX post the Late Fee fast and start to call and harass customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I was looking to apply for an everyday rewards credit card and I went online to www.americanexpress.com ( XX/XX/2018 ) and clicked on " cards ''. There were different options for cards and the BLUE CASH EVERYDAY card seemed to fit my needs and what I was looking for. The welcome offer stated " 0 % APR for the first 12 months '', {$200.00} back as statement credit after spending {$1000.00} using Amex card the first 3 months of card membership. I then clicked " apply now '' and upon submitting my information I was instantly approved. I DID NOT leave the page and returned at a later time. At the bottom of the welcome offer I clicked " apply now ''. 

After receiving my card, I made a big purchase and I called american express to ask general questions on rewards and such. I was told that I did not receive the welcome offer 0 % APR. I asked to speak with a manager, and I was told they would investigate this and I would get a notification with the outcome of the investigation. I was notified a few days later that I was not eligible for the welcome offer with no explanation. I called back to speak with a manager and apparently a manager was not available and the representative took my phone number and told me I would receive a call from a supervisor/manager. No one ever called me. I am extremely disappointed because I was looking to build my credit, however, due to the misleading and FALSE information/advertising on the American Express website I am now receiving outstanding interest rates. I would of never applied for this card if it wasn't for the welcome offer. It is unfortunate that no one at American Express helped me by honoring the welcome offer and fixing the situation as I truly believe this is something that could of been rectified to keep customers happy. Each and every representative I spoke to did not try to help me and seemed to rush me off the phone. 

If they honored the welcome offer I would of been a loyal customer for life, paid off my balance in full and continued to use my card and eventually upgrade. I want American Express to do the right thing by applying the welcome offer to my account 0 % APR and apply the {$200.00} statement credit on the XXXX month since I spent over {$1000.00} during the first 3 months of my card membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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 thank you for the alleged mail BUT still you fail to answer the questions I request full disclosure of documents that I have request failure violates any alleged debt that you claim. Also you violated my HIPPA and privacy rights I request the again { 6 } times information enclosed, Now I will need your CEO name and contact information your stock holders names and contact information, Your tax Identification number, your business license, also your name and contact to be used for civil action if needed. Fax alleged hospital, XXXX XXXX XXXX for documents of alleged account they did not respond to fax in your response to the CFPB your alleged billing { NOt Contract states XXXX owed today you mail another statement stating {$1500.00} WHAT you pull this alleged debt that you refuse to disclose out of the air. My charges are now {$2500.00} due and payable now for the time I have to put in to get any type of legal contracts or anything with a signature from you No contract Remove your claims from my credit report, I will also file now with the Texas medical board on my Hippa and Privacy rights you aLSO FAIL TO GIVE THE COMPLETE NAME OF XXXX, XXXX XXXX  { or associates } for the medical board complaint.The fair Debt collection practices act USC 1692 you know the one you stated earlier but fail to finish USC1692g { b } I request your office to provideme with competent evidence  CONTRACTS, Above information as requested.that I have a legal obligation to pay. This is not a fusal but requesting the exact information requested

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 2020-06-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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:
A door to door salesperson came to my house trying to sell me a home alarm system. HE asked me to fill out an application and I repeatedly told him I did not want to if it would result in a credit check. He reassured me multiple times that it would not result in a credit check. After enough of his statements to me did not make sense, I ended the sales pitch and did not sign up for anything. A day later, I got a credit alert saying my credit was run and now it is impacting a home loan. I called the company the day after the credit alert as well as their lender who checked my credit, Citizens Bank, and they all agreed to remove the inquiry. Turns out, they didnt. I never consented to a credit check and they specifically told me there would not be a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was alerted by vendor on a fraud alert with XXXX  and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed immediately.

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 2019-02-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XX/XX/XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit 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 2020-09-09
Company: I.C. System, Inc.
State: OK
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:
IC Systems Inc is not a bill I have ever had or had. Nor has it been a bill I have had that was sold to someone. This Bill was not Validated in a timely manner when I disputed it last time. I have no idea who this bill is but it is not mine.

Now it has come up TWICE on my credit report, not once. and with different starting dates which changed the statute of limitations for them. Both illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I am an elderly and XXXX, XXXX, XXXXXXXX XXXX XXXX, American and feel that Capital One has discriminated against me in closing my Walmart credit card having always paid on time. They refuse to tell me except what they call unprofessional, derogatory and abusive to them. When one of their XXXX agents could not multiply XXXX and said it was XXXX. My mentally handicapped son with a XXXX IQ ( XXXX level though he functions higher ) said to tell her that it was XXXX. The agent then called me a " XXXX XXXX XXXX  XXXX '' and demanded a supervisor. The supervisor cackled like a laughing hyena and when I told her I was appalled she stated that is fine for their reps to call me that name. I told her I was greatly offended as a XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. When I asked her that since she felt her agents could call me that what would she do if someone called her that and she said she would hang up on them. I told her that was illogical. She said she did not know what that meant ( which I found hard to believe if she was a supervisor ). I then asked her why and she said " Because we are in charge of you kind and you're just a lowly customer. '' I hung up on her. I believe that Capittal One has taken both XXXX XXXX XXXX side and turned tables stating that I called her that filthy vile name instead of the fact that she called me that which as a born-again XXXX which I would not do. I taught 10 years in a state prison and never called that name, two different principals ' positions and two different Superintendents ' position and then retired and NEVER called that name except by the Capital One agent. I believe they are trying to intimidate me, minimize me, mentally XXXX  me, and prejudge me and I have asked for the real reason and they will give me none. I have appealed to several peope that my letter says to ask for their Customer Advocacy Office and they refuse to let me talk to them. They are stonewalling me and when I stated I would report to your offices they made a very veiled threat to me saying " See what happens to you if you do. '' I considered that a potential XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are thus keeping me from any fair appeal and declaring me guilty without a fair chance. Of course, they have cancelled the card saying that I would owe anything due which I understand. However, the issue started all because they would not change my address to my correct address and the XXXX people would not help. Even the letter sent to cancel my card was not sent to theeven if I owe anything or not. correct address, but XXXX got it to me anyway. Therefore, I don't even know if I owe or not. They have also blocked both my land line and cellphone numbers so that I can no longer attempt to make an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: VA
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:
I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received an unsolicited prepaid debit card with my name on it from a company called netspend. I do not want this card but if i call the number to opt out it wants my social which i will not give. What dhoukd i do? 

Their address on correspondence is XXXX XXXX XXXX XXXX Texas. One phone number supplied is XXXX They say they got my info from a third part data provider.

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 2020-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We are a military family. Over the recent years we have moved from state to state. Recently I discovered that my maiden name was used to open up several accounts. I have tried reaching out to portfolio recovery several times for a debt validation and I have yet to receive a response.I am currently in the process of trying to gain security clearance and these 3 accounts are withholding me from pursuing my career. I am at a total lost as the company has not responded or reached out to clear up their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: COMMERCE BANK
State: MO
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:
Commerce Bank, To whom it may concern Regarding my recent late payments late payment due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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:
I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX all XXXX, XXXX, XXXX, XXXX I had all XXXX XXXX XXXX XXXXXXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.

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 2021-01-22
Company: Experian Information Solutions Inc.
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 closed my XXXX XXXX account a while back over the phone. They didn't close my credit card account, even though I told them to and I had a reoccurring payment from my XXXX XXXX XXXX that I " missed '' the payment for, even though my account was closed. I disputed this with XXXX XXXX, and they agreed that it was not my fault. XXXX XXXX is paying me back the " missed payment '' of $ XXXX XXXX finally closed my whole account on XX/XX/2020. They have handled this very well. Below is the email I received. 

" I received your email about balance on your account. Your concern is most certainly understandable. 

The $ XXXX is a credit balance. A credit balance is an amount that is owed to you. 

The following credit balance refund options are available : * Transfer We can transfer the funds to your XXXX XXXX checking or savings account. You'll need to provide us with the account number in your request. 

* Check We can mail a paper check to the address on file. Please verify that your address is correct before submitting your request. You should receive the refund check within 14 business days. 

To submit your request, please reply to this email or call us at the number on the back of your card or on your statement. You can also select the " Contact Us '' link above. 

Thank you for your business. We're happy to have you as our customer. '' I disputed this with Experian and my credit has not changed. I have never missed a payment in my life, so my credit should not be poor because of this. I would love help on this. Thank you so much!

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