BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: Credit Karma, LLC
State: MO
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:
On XX/XX/2018, I recently had a Credit Karma account and I have had it for years. So my OLD XXXX email were compromised, which is the email that were linked to my credit karma account. So I deleted/deactivated my old XXXX account and made a new one. So I changed all of my email addresses on all of my important accounts. Credit Karma were one of them. Unfortunately, when I deactivated my OLD XXXX account it deactivated my Credit Karma as well. Which I had no clue that, that would happen. So during the process before my credit karma were deactivated without me knowing I were trying to update my login/email address on Credit Karma. I were receiving emails to my new email stating, " Confirm your new email address ''. I clicked on the link and I figured that it worked. So I attempted to log on and it said that my account were deactivated. Even when I tried to log into with both old and new XXXX address. I reached out to Credit Karma " Support Team '' and the representative XXXX stated that since I DEACTIVATED MY old XXXX   associated with my XXXX account it deactivated my Credit Karma account. How is that possible? So I told him that all that I wanted to do were UPDATE my login/email and he said that there was nothing that he could do. I feel uneasy due to how I am suppose to keep up with my credit score and open accounts now? This seemed very fishy to me. I just want my Credit Karma account back. I have used it for years. I don't understand how or why this would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection Attorney XXXX XXXX XXXX XXXX, FL, claimed they were hired by Onemain Financial to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy Onemain Financial to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an XXXX was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My wife and I decided to open up a XXXX XXXX credit card. The main incentive and motivation to open a credit card was the rewards program that would assist us in purchasing items for our new home. On XX/XX/2018, we purchased various furniture and fixture items for our house totaling {$2900.00} before taxes and shipping fees ( see attached ). The promotion that store marketed to us was any purchased made through the XXXX XXXX weekend ending on XX/XX/2018 was eligible for double points. 

The issued occurred when the purchase of the dining room table and recliner was not charged on our credit card until after the promotional period. Their system could not recognize that the purchase was made within the promotional period and applied the points as if we had made the purchase on XX/XX/2018, the date of shipment, which is outside the promotional period. As a result, we lost out of {$170.00} worth of rewards dollars we were entitled to per the credit card and promotion agreement. 

After dealing with the store and corporate, they acknowledged that a mistake was made that should be correct but they indicated that we must go through the third-party credit card provider, XXXX XXXX, to correct the issue. The credit card company said they can not control or have insight to promotions by the store and correcting the application of rewards dollars. 

After going back and forth for two months getting nowhere, I finally requested to speak with a supervisor from XXXX XXXX. The supervisor indicated that there was no way I will ever be re-credited the misapplied rewards dollars cause no one has the power to do so. I then requested that I close my account because both XXXX XXXX and XXXX XXXX breached the terms of the promotional and credit card agreement and that I was mislead. 

The account was closed on XX/XX/2018. On XX/XX/20018,  XXXX XXXX sent a letter ( attached ) indicating that based on their investigation that they will re-issued the XXXX points that should have been applied in the first place. However, because my account was closed based on what the supervisor told me, I can no longer utilize the rewards dollar. When I asked the bank how I can use the rewards dollars, the bank just said that they will use my feedback to improve customer experience. 

The way I been treated should be taken note by anyone who plans on doing business with XXXX XXXX and their subsidiaries. I hope my issue can be resolved promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was unable to make a few payments on- time to capital one due to being unemployed and having a financial hardship at the time. I contacted Capital One with a Goodwill letter to remove the late payments and they were not willing to change the status. I have been a loyal customer to Capital One since 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, 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:
All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In the Summer I requested a rescind of recession on my car loan. CarMax declined, but I also sent more letters and never gotten a response back. In my package that I sent with my letter of recession was Affidavit of truth, and a Cease and Deceit letter. They are not honoring my letter and keep reporting to XXXX, XXXX, and XXXX. I am not asking for the retail installment Contract, but I am asking for the Agreement that set for the security interest in place, that I agreed too. I am also asking back my security deposit. According to U.S.C. 15 section 1605 my finance charge was included in the insurance and was in the total of all transaction. CarMax also violated 5 U.S. Code 552a my personal information was given without my permission. I am requesting my Agreement of security interest, not retail installment, my down payment, and Cease and Deceit of reporting to any third party bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was a victim of identity theft inXX/XX/2016 whereas an application with XXXX XXXX  for 1 credit card became a 39 inquiries and 22 credit cards mailed, applied over and over again. I had my mail and ID stolen for over a year. When contacting the company for over a year I was assured all accounts were closed. I spent over {$600.00} dollars in applications, monitoring services with all credit bureaus. I had over 5 police reports filled and shared with banks, credit bureaus and FTC report in order to stop the abuse. When calling the company it was like I had had never called them to inform of the theft and after the XXXX data breach this closed accounts started showing up in my credit decreasing the credit report from 850 to 450 ; According to State Laws across the nation when such theft occur all account and related credit cards must be closed and removed from the credit report for a period of 10 years. I can no longer afford to spend an average of {$30.00} dollars a month mailing this police report and requesting the removal ad blockage of this cards according with FCRA consumer credit laws.

When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B ; There was a failed to communicate information within each phone call, each mail of police report.

After reaching the toll free number and speaking with 28 representative they couldn't locate most of the credit cards through the social security number, and I was told : __ Wait there is another consumer with the same name and same accounts but your social security number does not match. That is when the XXXX XXXX XXXX was announced nationwide.

That said, the whole experience was rattling. I can't imagine what a mess it might have been if I had not inadvertently checked the account day by day and spent {$300.00} a year in monitoring services with the credit bureaus, and if additional charges were racked up, wiping out the account, credit cards showing up in the mail after a year.

My vehicle registration, my auto insurance with XXXX   and personal mail were also affected by the mail theft ; When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My private loan was serviced through Navient Loans. My payments were taken through automatic debit. On XX/XX/XXXX, I received a letter, which stated that I owed {$66000.00} -- this was fine and what I expected. I continued making payments that month. However, on XX/XX/XXXXafter a payment had been made, I was informed ( erroneously ) that I owed {$71000.00}.

When I inquired why my loan amount had been increased by {$4300.00}, I was told in a letter that Navient was told by my school that I was not an actual student during my noted years in school. When I corrected this by providing documentation that I was a student, I did not and continue to not receive any restitution from Navient. There are multiple issues in this case where Navient has acted fraudulently : 1. I never received any documentation from Navient regarding this increase in my unpaid principle. If I had not been monitoring my monthly payments, I would have never known about this increase.

2. Navient has retroactively increased my principle on their website. i.e. all numbers from the XX/XX/XXXX and before reflect this increased principle amount of approx {$4300.00}. If I did not have these pdf letters given as monthly statements, their website actually makes it appear that I have always owed an extra {$4300.00}.

3. Their claim that the amount was increased because my school claimed that I was not a student during this time and had " withdrew '' has already been debunked through documentation. This claim is fraudulent, the school denies it, so the claim was designed to fraudulently increase the loan amount. In addition, after being caught in their lie, even through numerous inquiries ( approx 2 months worth of waiting for their " internal review '' ), Navient has refused to address the simple solution ( pay me back this amount that they defrauded from me ) and instead has let this fester in their own internal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX, 2021 I obtained an automobile loan through Ally Bank for $ XXXXOn XXXX, 2021 the car was in a car accident and was totaled by XXXX insurance company XXXX XX/XX/2021 Ally reported to the credit bureau XXXX automobile loan in the amount of {$29000.00}. After they received a payment of {$19000.00} from XXXX. I contacted Ally and informed them their reporting information should be corrected I also filed a dispute on both occasions I was informed that the information was correct. In XX/XX/2021 GAP Insurance paid an additional {$4000.00} on this account. However as of today XXXX XXXXmy credit report shows that I still owe Ally {$29000.00}. Ally has refused to update my credit report with the correct information

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 2018-01-30
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:
Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XXXX they still haven't removed all of my hard inquires and I sent them all th information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TD BANK US HOLDING COMPANY
State: MS
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:
OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made purchases using my Nordstrom Rewards XXXX card for a no interest, no payment promotion until XX/XX/XXXX. I have made 2 payments over my minimum monthly payment on XX/XX/XXXX in the amount of {$92.00} and on XX/XX/XXXX in the amount of {$180.00} to pay down my promotional balance before the expiration date. I have made a total of {$150.00} towards the promotional balance of {$210.00}. I called XXXX XXXX XXXX in XXXX to ask them to apply my additional payment of {$36.00} to my promotional balance and I was told that would happen. It never happened. When I called today on XX/XX/XXXX to ask them why my additional payment from XX/XX/XXXX and XX/XX/XXXX wasn't applied towards my promotional balance, I was told I'd have to pay off my entire card balance to not be charges interest on the promotional balance. This is absurd. What is the purpose of taking advantage of a promotional purchase if I'm going to be charged interest in the long run? This stupid practice was not communicated when the promotional offer was advertised. I wouldn't have made the purchases if it were.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: SC
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:
Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: BB&T CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We financed a XXXX XXXX in XXXX, XXXX for 6 years. XX/XX/XXXX should have been our final payment. However, we took two ( 2 ) extensions and one date change. That should have made the final payment to XX/XX/XXXX. We filed a complaint with CFPB during late XXXX.We received a letter from CFPB dated XX/XX/XXXX. We received a letter from CFPB dated XX/XX/XXXX stating the company ( XXXX XXXX XXXX ) had responded to our complaint. That letter stated that XXXX XXXX received our complaint and that a XXXX XXXX had satisfactorially explained to my wife the terms of the financing. That's a blatant lie. The truth of the matter is that XXXX XXXX was supposed to explain the matter to my satisfaction. I personally made three ( 3 ) phone calls to XXXX XXXX, none of which she answered or returned. To make matters worse, CFPB simply closed the complaint without lifting a finger to check the merit of XXXX XXXX claim. I will continue to follow up on this claim until i get a legitimate 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 2021-10-08
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Tower Loan of Mississippi, Inc.
State: IL
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:
Tower Loan continues to run a hard inquiry on my credit without authorization every three months. I have no knowledge of this company or any application for a loan ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: W&A Intermediate Co., LLC
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:
To whom this may concern.I would like to demand removal of these items. This issue has been infecting me. Im not able to get approved for anything.

Company response to consumer: Closed with explanation