BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-21
Company: Genesis FS Card Services, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a payment for {$510.00} on XX/XX/XXXX. Since then I have spoke to the company in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX to report that the payment was received and accepted by the company but not applied to my balance. I submitted documents that supported this claim. My credit card is frozen, and my account is reported to my credit report as delinquent despite this not being the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We have spent over 5 hours on the phone with Equifax trying to get signed up for their Trusted ID because the  verification link does not work ( we have tried for 8 days all hours ). When you call after over 50 minutes on hold twice they have hung up on us because they do not know what to do. Same phone hang up when trying to get a freeze put on the account at another number Equifax gave us for that " service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the second letter that I sent over to transunion was delivered on XX/XX/22. 
XXXX XXXX XXXX XXXX XXXX this correspondence reminded transunion of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation.

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 2020-03-02
Company: Select Management Resources, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midwest title loans is calling me at my place of employment I have asked them to stop calling my place of employment and they continue for late payment and calls me 3 to 5 times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
In XXXX I open a card with American express. it was a simple card with no rewards or annul fee. a few months later I learned they now imposed an annual fee so I closed it. 
In XXXX XXXX Three and a half years later, I received an offer from Am Ex about a card with {$250.00} incentive if I spend {$1000.00} in the first 3 months. the card did not make any reference to my old card in XXXX. 
Having vague memory of what happend a few years earlier, and not knowing any association between this new card and the old one. I signed up and began to use it over my other cards which also offered great rewards I did not think anything fishy as they are supposed to be a reputable company. 

In XXXX, I called to make a payment the agent confirmed I have " until XXXX XXXX '' to fulfill {$1000.00} and I would get the incentive. 
In XXXX XXXX. I called to make a payment the agent also reiterated the above. 
In XXXX however, they told me I would not because I had the acct 3 and a half years earlier. 

They refused to answer my questions : the old card was a different card with no incentives and no fee ( when I signed up ) They knew of this old card all along -- that was how they got my address and SS to offer me the promote in summer XXXX. 
they did not mention anything about the old card in their offer. 
They did not inform me policy change. 
in fact, the XXXX agents mentioned above confirmed I would get incentive. 

They waited until I fulfilled the requirement in XXXX to inform me I would not qualify for the incentive. 
Had they told me earlier, that having a card almost 4 years earlier would disqualify the incentive, I would have close card and would get my annual fee back and I would use other cards and receive great rewards. Infact, I would not have opened it to begin with. 

They failed to honor their word. 

I am very concerned American Express have been using deceptive tactics to allure customers. 
In XXXX it was annual fee which they imposed after I opened. They are doing it again. 
This time they refuse to honor incentive agreement by using the excuse hat I had a card before, something they knew when they sent me the promotion offer, and in fact all along. 
Of the XXXX cards, I spent {$2500.00} plus a {$95.00} fee ( for the new card. ) They made some money off my cards, they also need to honor agreements. 
They need to conduct business with integrity and respect. 
policy should be open, transparent and consistent ; should policy change, they need to notify me. 
They are operating an unfair and unethetical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602. A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( eX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2015-07-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My complaint is in regard to Navient ( formerly XXXX XXXX ), the lender that allowed me to take out loans in order to attend college ( The XXXX XXXX of XXXX in XXXX, Pennsylvania ). Since XX/XX/2015, I 've been writing to Navient to negotiate a new payment plan I can afford since I 'm currently unemployed. I requested that they only contact me via mail, to not contact my cosigner and to consider releasing my cosigner from my account. All letters to Navient have been sent certified and I know for certain they received them because they did respond to me in writing. Since then, my cell phone has been called at least once every day from numbers with different area codes that a web search shows to be Navient. In addition, Navient has written to my cosigner and threatened to report them for delinquent payment of loans. I would like to know if Navient is violating the Fair Debt Collection Practices Act when they proceed to do everything I requested that they not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX/XXXX/2021 i called revco solutions to talk about my credit card debt with XXXX. i understand this account was sold to them from XXXX. However, I did not receive anything saying my personal loan debt belonged to this company from XXXX. the lady stated on today XXXX/XXXX/2021 that i have two accounts with them from XXXX. it should only be one, the credit card debt. i do not trust this company sorry.

Company response to consumer: Closed with non-monetary relief
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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in escrow on a house with a secured interest rate of 4.625 % and on XX/XX/XXXX. I was notified that my credit score unexplainably went down XXXX points. This was a result of the security breach into Equifax. The result of this credit score dropped disqualified me from my original loan and I was forced into another loan at a rate of 5.6 %. The end result my payment increased monthly by {$800.00}, which translates to approximately a {$270000.00} increase in payments over the lifetime of a 30 year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed a vehicle through Carvana. The vehicle had XXXX miles on it at time of purchase. This vehicle was said to pass all inspections. And had everything up to date in terms of services. Shortly after driving the vehicle, mind you my check engine comes on. I bring it to the dealership that makes the car. And I contact Carvana asking if they would be willing to help since the car was in their care for these miles that this inspection was never done. I was charged an insane amount of money to fix this issue with the purchased car from Carvana. It didnt have the XXXX mile service. A few weeks go by and the check engine light comes on again. Different issue. Charcoal canister needs replacement. Then again fuel economy sensor , drive sensor. In conclusion I purchase this car in XXXX of XXXX. Since then Ive put roughly 6 thousand miles on it. Ive had it serviced 4 times. And taken to the dealership 6 times for a check engine light. This car had multiple internal issues that was never dealt with before selling to me. As well as physical issues such as an issue with my turn signals. Which was reported to be fixed in the XXXX, but it still persists to this day. I even had my gas cap replaced. And next I fear the breaks are going. All this in XXXX XXXX miles. Outrageous. The car in question is a XXXX XXXX XXXX XXXX XXXX sport. So you can imagine the bills Ive had fixing things that Carvana should have had fixed before Selling the car to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: NJ
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:
Payment on may Valley Bank credit card is due tomorrow XXXX XXXX. So my beloved wife XXXX and I drove to the local branch in XXXX a mile or so from our home. BUT THE DRIVE IN  WAS CLOSED AS WAS THE BRANCH ITSELF. So I mailed my check at the XXXX Post Office for hoped for delivery to the XXXX branch of the bank on XXXX XXXX! 

But I fear that the Valley Bank will claim it did not receive my check on XXXX XXXX and so charge me a sky-high late fee which would be totally unjust as its branch and its branch drive in were closed as aforementioned! 

I SHALL NOT PAY ANY LATE FEE OR INTEREST NOR MAY THE VALLEY BANK REPORT ME TO THE CREDIT REPORTING  BUREAUS! 

The branch should have been open even during the coronavirus pandemic! Where does Valley Bank think customers are to bank? ON THE MOON?

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 monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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 was a part of the Equifax breach three months ago.
I was not notified for three months, and I have not been informed about exactly WHAT information was compromised.
I am deeply disturbed not only be the fact that they allowed this breach to take place but that they waited three months to notify impacted individuals about the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My XXXX XXXX mortgage was paid off in XX/XX/XXXX Yet, it reported on Equifax behind 120 days in XX/XX/XXXX from XX/XX/XXXXthrough XX/XX/XXXX. This is impossible as the mortgage was already paid in full. Both XXXX  and XXXX are reporting this correctly. Equifax is the only one not reporting correctly and I've reached out to them numerous times to correct this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2021 American Express had welcome bonus of XXXX XXXX XXXX Bonus Points for getting a new card. Required to spend {$1000.00} in XXXX months. I applied online. 

I charged over {$1000.00} in the first XXXX months. 
XX/XX/2021 Called American Express. They said that I did not qualify and that when asking for card there was a " pop-up '' saying that I did not qualify. 

Never. Why would I ask for the card if I was not going to get the bonus offer. 

The supervisor, XXXX said that I did not qualify, but she did not know why. She opened a " case '', but I never heard any more. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Reporting company used your report improperly

Complaint:
i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and sagesteam witch shares information with all the major credit reporting agencies. after filing over XXXX ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

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 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened bank account at Bank of America a month ago. Today I tried to deposit a check, and realized that they closed my account. I visited a branch, the banker did n't know why and he called somewhere ( maybe headquarter? ), but they did n't tell me why they closed it. The banker said that they just decided to close it-It really frustrated me. The only thing I did after opening it was making donation. There was no overdraft and I did n't do anything wrong. 
I XXXX about " account closed '', and just found out that it could affect me to have problem to open account at any bank.

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 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 XXXX # 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.

7119 15 USC 1666B : A creditor may no.

treat a payment on a credit card 206 account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation