BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2022, I received an email marketing from Credit Karma regarding having excellent odds in applying for a XXXX XXXXXXXX XXXX XXXX. I submitted an application which had a caveat that depending on the outcome of the card despite being advertised as having excellent odds of approval, they would guarantee {$50.00} to deposit into an open Credit Karma checking account, which I have. I submitted the application and was denied the credit card. I received an email on XX/XX/2022 confirming that based on being denied, I would receive the {$50.00} deposit soon as a result of the denial into the open credit karma checking account that I have. This was false advertisement regarding the approval odds which led me to apply for the credit report. As a result of being denied, this was an unnecessary inquiry on my credit report which will reduce my credit rating. I have had numerous similar offers of excellent/great approval odds with negative/adverse results/ causing unnecessary inquires. My credit scores through XXXX, XXXX, and XXXX are all in the XXXX 's on the actual agency reports. However, XXXX XXXX shows my scores for XXXX and XXXX as high XXXX XXXX 's, almost 100-150 point difference, which is the score that is being pulled by the credit card company/financial lenders within the Credit Karma profile. For example, I was denied the XXXX XXXX Credit Card due to my XXXX XXXX reflecting as XXXX ; however, on XXXX 's website, my credit score is XXXX. This is an absolutely egregious difference and can be the difference between me being approved for a mortgage with having a XXXX credit score if pulled through credit karma, which shows almost XXXX points less. This also causes higher interest for certain lending products with using such a low score, if the official credit agency reflects my score to actually be in a Fair range. 

The FTC has just fined Credit Karma this week, {$3.00} million for deceptive pre-approval claims. These deceptive pre-approvals have damaged my credit karma rating which has removed my ability to be approved for actual credit cards, as well as personal loan options as lenders are pulling the much lower score through credit karma. Also credit karma has the same " pre-approval '' for personal loans for which they only use the same lenders. When sending an email to review loan products, just by logging in, will automatically send an application to the lenders, as I have only been reviewing lender " pre-approval '' options, and have began to receive denial letters when I never applied for the specific lender, only just logged into my credit karma profile and the applications were automatically be submitted just after logon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Per the Equifax breach website, my personal information has been compromised and my credit history is at risk

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Financial Data Systems
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: Account information incorrect

Complaint:
This is not a duplicate complaint. I am making this complaint because XXXX would not let me upload this dispute because it was a duplicate which is not true. 

The account type that is reported by the furnisher ( Financial Data Systems ) is being reporters incorrectly and inaccurately. 

The Account Type is supposed to be listed as " medical debt ''. 

The glossary of entry codes written by XXXX does not list " collection '' as an account type therefore this credit file is inaccurate.. 

this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Genesis FS Card Services, Inc.
State: CO
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:
My credit card had expired and I called to ask to have a new card issued to me. The representative informed me my account had been permanently closed. When I asked why, I was told it was because they had issued a new card and it had been returned so they permanently closed the account. I had let them know that the address they had on the account had the wrong town and zipcode listed when I reviewed it in their app but I had updated it to the correct address and asked for them to please reissue the replacement card to the correct address. I was told they could not do that and i would need to reapply. I asked if they could transfer the balance and assign me a new account number and issue a new card and was told again that they can not do that and i will need to reapply. I've had balances transfered and new accounts issued in the past without an issues. I do not miss payments and am never late on my payments. This account was closed due to an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Improper data security handling led to a massive breach of personal data of over a hundred million americans. I am listed as a likely victim on their reporting website. I 've had to freeze my credit and may very well be impacted for the rest of my life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: GREAT LAKES
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I submitted my Income Driven Repayment ( IDR ) renewal application with supporting documentation to Great Lakes. I received an email stating that it was received and would be processed within 20 days, or before the XX/XX/XXXX deadline. My loan was then transferred to myfedloans because I am eligible for public service loan forgiveness. Great Lakes did not process my application prior to transferring the loans. The deadline lapsed and I received notice on XX/XX/XXXX, that I would have to reapply for my IDR renewal. However, since the original deadline lapsed, the interest on my loan will now capitalize. 

This is the second year in a row that Great Lakes did not process my paperwork on time even though I sent in the information early. In XX/XX/XXXX, Great Lakes allowed the deadline to lapse without processing my paperwork even though I sent it in on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Professional Debt Mediation, 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:
Spoke w/ XXXX at PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with PDM or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me 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 explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is not a duplicate complaint. I am making this complaint because Experian would not let me upload this dispute because it was a duplicate which is not true. 

The account type that is reported by the furnisher ( XXXX XXXX XXXX ) is being reporters incorrectly and inaccurately. 

The Account Type is supposed to be listed as " medical debt ''. 

The glossary of entry codes written by Experian does not list " collection '' as an account type therefore this credit file is inaccurate.. 

this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly

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 2018-06-14
Company: Selene Finance LP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX with an address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 
Created an Account in my name and wife 's name XXXX XXXX & XXXX XXXX without our consent. We have no contractual relationship with this ENTITY and believe that this ENTITY is committing Fraud using fraudulent papers and Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: NCC Business Services, 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: Account status incorrect

Complaint:
I was a resident at XXXX XXXX, I moved out on XXXX2017 and management failed to remove me from the system, I was still being billed and I called several times and spoke to management and they assured me that the balance would be corrected. I later received notice a month later that the balance had been reported to a collection agency. I called the collection agency and advised them of the error, they stated that they just needed documents from XXXX XXXX  Management so I went to their office and was assured again that this matter would be taken care of. It is still on my credit and causing my score to decrease. XXXX XXXX does n't care and I need help because I am currently in the process of building and maintaining good credit. I pay everything on time and their negligence is causing harm to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have unauthorized inquires on my credit report ; XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )XXXX XXXX XXXX  ( XX/XX/XXXX ). I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management from XXXX XXXX XXXX, ( their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) ) they bought an old collection account from somewhere else and started to aggressively go after me for this disputed debt. They have called from known numbers and from " anonymous '' numbers sometimes up to four times a day. Also, they called my close friends, my next of kin and discussed the matter with them while under the guise of looking for me. They need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: ALLY FINANCIAL INC.
State: CA
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 was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : Ally Financial Inquiry : XXXX I never authorized Ally Financial nor XXXX to pull my credit in the months of XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contact by way of a bill from the IRS stating that I owed approximately four thousand dollars. I Then contacted via a phone call to inform them that this must be a mistake, and was told that a 1099C form was filed by a company by the name AmeriCredit to which I have not heard of before, my research lead me to GM Financial, I then contacted them by phone to inquire about this account and made it clear that I was unaware of this account existence, I was then told by the GM rep I need to file a fraud report and wait for them to investigate, but never received the documents for their internal investigation. After waiting a month, I then sent my own letter to GM Financial/AmeriCredit, which was received on XX/XX/2019, XXXX XXXX Delivered, Front Desk/Reception/Mail Room XXXX XXXX, TX XXXX. In this letter I informed GM Financial that they had filed a 1099 C with the IRS in error and that they should contact the IRS to resend that the 1099C they filed or provide me with evidence that the information was not filed in error. As I explained to Gm in my written statement, I was on aware of this account and that the following documents, should be provided. A contract with my signature that created this transaction, and agreement made between myself and GM or any of its subsidiary to settle this alleged forgiven debt, payments history of the alleged account, and a copy of the 1099C form that was filed with the IRS.

I am reaching out to the Consumer Financial Protection Bureau because my request for these documents to prove to the IRS whos coming after me for this supposed forgiven debt has gone unanswered by GM financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report 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 2022-03-08
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I been making my regular payments on time and also making additional payments & notice my balance was not going down, most of my payments was being reveresed, but know one can explain to me what that means.my additional payments was going to interest only. I could never see how my payments are being apply to my loan. I try calling the company to deal with my payments, but know one could explain why my payments are not being apply to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: MO
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 XX/XX/XXXX I sent a letter requesting that the Credit Bureuas reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, hte Credit Bureaus have failed to respond to my request. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX and # XXXX and I'm including it again. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation