BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: I.C. System, 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:
My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.

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 2023-01-27
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
these XXXX companies XXXX XXXX XXXX XXXX GLA Collection Company Inc These two companies are complete scams, I never even been to ( XXXX XXXX XXXX ), but on the XXXX XXXX XXXX XXXXXXXX website they claimed that they treat patients at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. If so, XXXX has already been paid. Im in good standing with XXXX  so these people should not be passing off already paid XXXX  bills to collections company this ( XXXX XXXX XXXX XXXX ) never sent me letter at all never or call saying I owed anything and they are supposed to be the original creditor. 

I have insurance which is ( XXXX  ) and I have been covered by them since I was kid, these are facts. 

My insurance which is ( XXXX  ) already told the ( GLA Collection Company Inc ) company that they could not bill or charge me. 

Date of service claimed XX/XX/2019 amount XXXX XX/XX/2019 amount XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two  issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit  score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by XXXX basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.

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 2018-04-27
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: Account information incorrect

Complaint:
XXXX 's will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with Experian, with no amount, but closed on XXXX and XXXX with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.

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 2023-01-06
Company: CAVALRY INVESTMENTS, LLC
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 belongs to someone else

Complaint:
Cavalry collection agency has been sending me letters regarding a debt that is not mine. I have sent them debt validation request letters on XX/XX/XXXX and XXXX, XXXX and they refuse to send me the information required. Instead, they repeatedly state that they verified the information and it is correct, without sending me the actual information which they are required to do so by law. They have reported this alleged debt to the three credit reporting bureaus and refuse to delete this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
ive sent full payment certified mail and return reciept. numerous of times to XXXX XXXX, and payment hasnt been applied to account, furthermoire it remains on my credit report, which hinders me from establishing good history. 

Ive also sent full payments to Capital One, and still nothing happened. im tired of sending payments and these companies arent applying to my account. 

XXXX XXXX XXXX XXXX is the last payment ive made to an organization, and theyve done the same as the others. I want my credit report placed back in good standing and to never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed the information on my credit report with XXXX in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.

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 2019-03-10
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
Applied for a business gold rewards credit card with a welcome bonus of XXXX points. Never received ANY popup, which said that I am ineligible, never had the card before, never violated any terms on other cards. 

After 2 months and 2 investigations, XXXX reps failed to provide ANY reason, except for some vague language " based on customer information and prior relationship we can not give a bonus ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Innovate Managed Holdings, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of this year, I refinanced my car loan and Innovate Loan Servicing was paid in full. I took the necessary steps to get the refund of the Gap Insurance and a Protection policy. I was informed that the Gap Refund check was sent on XX/XX/XXXX and the Protection check was sent on XXXX to Innovate. About a month ago, I did receive a phone call from a gentleman from Innovate stating that the Gap refund check was was received on XX/XX/XXXX for {$550.00} but he stated that he didn't have record of the {$260.00} check for the Protection policy and he would have to look into yet. I have not yet received either refund. They do not respond to any of my e-mail requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 :, It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX Account # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were deleted from XXXX and Transunion but, still appears on my XXXX reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at XXXX on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-27
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Received credit report from Experian XXXX for XX/XX/XXXX. 

Inquiry was made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. No phone number was given. 

Letter sent XX/XX/XXXX to the company requesting why they obtained my credit report. The company has not responded. 

I do not recognize this company.

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 2023-01-27
Company: EQUIFAX, INC.
State: KY
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:
XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX  I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged two over draft fees at the same time because my account became negative the day before my paycheck arrived. These charges were not supposed to post until the following business day but by error were charged a day earlier. Its egregious to charge for each transaction despite them being in error. Im a loyal US bank customer and for them to pile on the over draft fees the day before I get paid is terrible customer service and they refuse to even listen to the customer. Im a student and US Bank is a large corporation. Stealing {$72.00} from me is greed in its finest form.

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 2023-07-23
Company: Start Connecting dba USA Student Debt Relief
State: PR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX USA Student Debt Relief contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay 4 payments of {$390.00} and {$72.00} each month for 210 months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Bridgecrest Acceptance Corporation
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 information incorrect

Complaint:
Looking at my credit report I found out that a company name BRIDGECREST FORMERLY XXXX, has reported to the credit bureaus that I missed payment 2 times which is inaccurate because back in XXXX of XXXX due to my financial difficulties I requested for an extension then I was asked to pay the sum of {$270.00} with the extension that will bring my account to current ( fresh start ) they said this way my account won't be reported the credit bureaus as a 30 days late which I agreed to. But to my biggest surprise they still went ahead and reported it to the credit bureaus as 30 days late so I called them immediately to ask why they still reported 30 days after I paid the {$270.00} they apologized for the error and corrected it immediately. Then in XXXX of XXXX similar thing happened I had just lost my Mother I it was a very difficult time again financially, so requested for an extension again I was asked to this time the sum of {$300.00} to avoid it being reported to the credit bureaus again I agreed to the term but just like before they reported to the credit bureaus as 30 days late as usual I called again to ask why but this the costumer service representative hanged up the phone on me I called back again they put me on hold for a while they went back to XXXX of XXXX to change current to 30 days late I do not think this is a standard credit reporting act and the consumer law. Then I file a dispute with all three major bureaus, the information sent to the credit bureaus did not include the {$270.00} and the {$300.00} respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2021-01-23
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX I had my SSI check direct deposited into a cash app account {$780.00}. On the same day thirty minutes later there was a cash out on my account for XXXX. The screen says my SSI deposit was cashed out to Visa debit XXXX. Which it's not my account. I've been reaching out for help since XXXX. Everytime I would contact cash app and tell them my check was deposited into the wrong account. Cash support says the check is in Visa debit card XXXX. I don't own a Visa debit ending in XXXX. I really need my check back. So I need your help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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:
I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: AES/PHEAA
State: AZ
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 student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: DISCOVER BANK
State: IL
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 recently applied for a Discover IT Miles credit card, I was approved for the card, received the card and when I tried to activate the card I received a call from Discover asking me if I can send them a 4506-t form. I sent them the form and shortly after they received the form from the IRS they closed me account. They closed my account based on past information.

Company response to consumer: Closed with explanation