BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: TN
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:
I have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Apple credit card services through Goldman Sachs keeps denying my credit card application because they say they cant verify my identity. Ive reached out to all credit bureaus to ensure my information was correct, but they keep saying they cant verify me and keep denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX/XXXX/2015 took my daughter to XXXX XXXX XXXX ER. She was seen and discharged. A year later, when trying to refinance my house, I see a collection account from ARC Management Group ( biller for XXXX XXXX ). I called to find out which account the collection was regarding. I was told that my daughter was not covered under my insurance at the time of the ER visit, so I was deemed a " self-pay '' ( meaning I had no insurance ). I assured them I did have insurance and my daughter has had insurance since the day she was born. The hospital submitted and got paid for that claim ( I have documentation to prove payment ), so that further proves my daughter was insured. I call my insurance to verify that there had been no lapse in coverage and they confirm ( I have documentation to prove coverage ). I called ARC back and am told they tried on several occasions to call my insurance company to verify coverage. My insurance company keeps track of any attempts to verify insurance and had no calls from ARC or XXXX XXXX. I have tried numerous times to explain that this was not my fault and that they should have submitted the claim to my insurance. The time to submit a claim has expired since it is over a year. The credit bureaus are not helping me get this removed from my reports. ARC Management group placed me in collections 2 days after the ER visit. They say they attempted to send me notices which I never received. I do n't know where else to turn. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Dealership inquires showing up on my report & I have not authorized anyone to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attached letter that I sent to Capital One back in XXXX, but I received no response. I have a large credit balance on my closed account with capital one. Capital One has been holding this credit balance since XXXX after they made an adjustment to my account in XX/XX/XXXX. They were asking for certain information on the 2 of my accounts, and I provided all the information I was able to gather. please review both accounts for all the documents provided. Finally, in XX/XX/XXXX they mailed us back the credit balance on one account, but I never received back the refund check for this particular account. I call and call and can only reach reps in XXXX that give me total different information each time I call. please resolve this matter without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
hi I 'm on payment program with American express from XX/2016 they setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize these companies to pull my credit, these inquiries are fraudulent and unauthorized. 
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 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 2022-05-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i got a promo code of XXXX Citi points alongwith opening Citi Gold checking account. There were additional requirements that i had fulfilled and the XXXX points were supposed to be posted after 90 days of account opening/meeting requirements. The points never posted. I got in touch with the Citigold representative multiple times, had XXXX separate long phone calls on all of which they acknowledged that i had met the requirements and the points would post in next few days. each time i waited and nothing happened. Then upon further inquiry i was told that Citi has done their internal investigation and found that I was n't targeted for the promotion so I was n't eligible. i have proof/screenshots of the promotion offer that i saw onscreen after i opened the Citigold account. So i told Citi that offer me a chance to prove that I got a confirmation of this promotional offer after I opened the account. I was never offered a chance to provide proof. They just plainly denied and repeated their findings that I was n't targeted. I feel cheated and foolish that I was taken for a ride. I read online that a CFPB complain may help to resolve the issue. For the time being i have dowgraded my checking account at Citi so I do n't have to keep on paying a fee of XXXX $ /Month and also being cheated off the XXXX offer. Please help and advise. I am attaching the word doc of screenshots that shows the offer of XXXX points with opening up Citigold account and it shows my name/account number after opening.

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 2016-01-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the following accounts ID # XXXX, ID XXXX and ID XXXX numerous times with Equifax. I have contacted the alleged source as stated in the attached document at ( XXXX ) XXXX and the Courts stated that they did [ n ] ot give any information to the Consumer Reporting Agencies with respect to this matter and that the Consumer Reporting Agencies upload from a third XXXX public system called " Pacer ''. The account are [ n ] ot mine are damaging my credit and life. Please provide me with the method of verification as required under 611 ( a ) ( 7 ). I also request to see the original contract containing my signature that you have on file with respect to the above mentioned account ( s ) per Section 609 ( a ) ( 1 ) ( A ) of the FCRA. Your failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification. If the alleged source has not reported any information pertaining to these accounts as the Data Furnisher, who has the authority to inaccurately report fraudulent information on my Consumer Credit Report????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
DURING COVID MY XXXX XXXX BUSINESS TOOK A SLIGHT HIT. SO I APPLIED FOR A PPP LOAN THRU BBVA BANK. ALL WENT SMOOTH AND APPROVED AND FUNDED. THAT BEING SAID BBVA BANK GOT BOUGHT OUT BY PNC BANK DURING THAT TIME FRAME. WHILE HAVING MY PPP LOAN AT BBVA BANK THE LOAN OFFICER TOOK MY FORGIVENESS LOAN APP AND SAID NO WORRIES ALL TAKEN CARED. NOW WITH PNC BANK TOOK OWNERSHIP NOW THEY ARE TRYING TO COLLECT THE PPP LOAN THAT WAS FORGIVING WHEN IT WAS BBVA BANK. PNC BANK IS SAYING THE LOAN OFFICER IS NO LONGER HERE WHO TOOK THE LOAN FORGIVENESS AND SUPPOSEDLY HE DROP THE BALL AND NEVER SUBMITTED THE PAPERWORK. HOW IS THAT MY FAULT? 

I HAVE ATTACHED ALL THE DOCS I HAVE GOTTEN FROM BBVA AND PNC BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: GA
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:
I have a loan with CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CBNA with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Citi Thank You card that has had fraud activity on it several times in the last 6 months. The fraud activity is always for the same amount and same place in XXXX. Each time this has happened, I have had to close the card and am issued a new card. I have had XXXX cards since XXXX 2016. The most recent card sent to me ( my XXXX card ) due to fraud activity was activated on XXXX XXXX, 2016. I had it for less than two weeks before there was fraud activity on it. I had to close it was issued another card ( my XXXX Citi Thank You card ). I have not used the card since XXXX 2016 for a doctor 's bill. The card is not registered at any online sites. Yet, this fraud activity still occurs. When I spoke with Citi regarding the most recent activity, I was informed that once I activate the card, I could call and consolidate it with my other Citi card and close the Thank You account. So I did that. But the rep that I spoke to told me that she could n't do it but I could call back on XXXX XXXX, 2016 between XXXX a.m. and speak with a supervisor who could make changes to my account. I called and was denied speaking with a supervisor and was told that a supervisor was unavailable. I called back and was informed that supervisors who can make changes on accounts are only available between XXXX XXXX. This is in contradiction to what I was originally told. I keep getting the runaround and no one is willing to help me. I 'm tired of having to close my Thank You card and activate another one every month or so because of some issue with Citi 's security.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent out letters every month since XXXX XXXXr about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.

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 2020-07-09
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Poor service and unable to provide answers I called Loancare to notify them that my tax form for XXXX was incorrect in XX/XX/XXXX. The agent said they would fix it and send me a new copy in the mail and update it in my account on their website. It is now XX/XX/XXXX and they haven't followed through with either. When I called and told the agent to let them know I called in XXXX she confirmed that the request was logged. When I asked why it wasn't acted on, her response was " I don't know. '' Meanwhile, I need to file my taxes in a few days.

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 2022-05-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting inaccurate information stating that my XXXX accounts are 90 days past due and the accounts are closed. I have disputed this information with them and they still will not correct it. How can an account be 90 days past due when it's closed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Citibank had a promotion for getting XXXX XXXX mileage. 
Copy of promotion will be attached. 
I opened the account on XXXX XXXX 2015. 
I was supposed to make $ XXXX Debit card purchase within 60 days but Bank did not send me card until XXXX XXXX. i asked my banker about it and he said they will give an extension. 
I completed debit purchase by XXXX XXXX and fulfilled other requirements but because of the delay in debit card purchase caused by bank delay I am being punished and I am not getting my XXXX miles.

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 2015-10-29
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX, I opened an account ( Savings and Checking ) with Citibank. On the advice of CITIBANK, the accounts were part of the " XXXX XXXX Banking '' package. Between XXXX and XXXX, I was not charge a monthly fee. 
However, I noticed in XXXX ( as I do not check my accounts frequently ), that starting in mid XXXX, I was charged XXXX {$25.00} per month. My numerous attempts to convert this account to a normal XXXX where I am not charged a fee, attempts to reverse the charges and also attempts to close the accounts through online chats with Citi 's representatives, international calls and messages, have been futile. Instead, I was repeatedly channeled from XXXX division to another, and even when I am in touch with the XXXX Banking Team ( they all do n't speak to each other ), I was told that I could not close the account unless I physically present myself at a Citibank branch in the XXXX ( I am now located in XXXX ), even though I could possibly open a normal account online that does not incur monthly fees. 
The constant inability of CITIBANK to resolve my issues or even assist to close my accounts and point me in the right direction is a violation of my customer rights, not to mention charging me XXXX {$25.00} a month when previously this did not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: AES/PHEAA
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: Account status incorrect

Complaint:
My student loans were reported delinquent on 90 and 120 days in XXXX of XXXX and XX/XX/XXXX. During tjis time my loans were on forbearance. As a reault my credit score dropped over 100 points. 

I contacted fed loan servicing and was told to send in the dispute form which I did roughly a month ago. My credit report was just updated and I was notified my dispute was closed, but the false negative reporting still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Hi I recently got a text from a number XXXX said I got approve for a loan they asked for my XXXX and password to verify Nd they put XXXX to my account said I Had to send it back through XXXX to XXXX XXXX number XXXX XXXX and now my account been locked I know its a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I filed a dispute ( # XXXX ) in reference to judgements placed against me that were paid and even faxed court documents verifying judgements were either paid or removed at which time my equifax score was XXXX. I had trouble talking to the people at equifax and asked for a supervisor and that person could not speak XXXX any better and we got into a XXXX match and one week later I see my score was dropped XXXX points without explanation or reason and when I asked for my report they tried to charge me for it even when it has been over a year since I got my last on ( XXXX 2014 ). I feelthey are not being fair in their reporting and have made it impossible for me to obtin a home loan thru my bank and the VA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: DISCOVER BANK
State: AL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened an online savings account with Discover Bank with the promotion code XXXX, which was to award new savings account customers with {$100.00} if they open a new savings account by XXXX/XXXX/2015 and fund with at least {$15000.00} by XXXX/XXXX/2015. When I entered the promo code in the account application process, it immediately showed the terms of the promotion, so I felt confident it was being applied to my account. I opened the account on XXXX/XXXX/2015, and funded it over {$15000.00} by XXXX/XXXX/2015. However, now that the 30 days has passed since funding ( the specified time frame in which the promotion was to be awarded ), I contacted Discover and they informed me that they had no record of a promotional code being used to open my account. I would not have opened the account, or had the predictable transaction pattern, had I not signed up for this very specific offer which appeared to be successfully applied when I opened the account. They are now saying it will take them 8 weeks to investigate my case, for a promotion that was supposed to have paid out in 4 weeks already. This seems like an extreme amount of time.

Company response to consumer: Closed with monetary relief