BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: PA
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: Didn't receive services that were advertised

Complaint:
I got email from Credit karma saying I was pre approved so I filled out them it said I was denied it has happened twice and it messed up my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: TX
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 : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXXXXXX 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 2021-05-05
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
As a gesture of goodwill, could you please request AMEX to remove the one time late payment on XX/XX/2020. Ive been on time payments with them ever since. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX/XXXX/XXXX I contacted Weinburg & Reid Co. LPA in an attempt to set up payment arrangements. The representative said she was unable to work a paymnt plan out with me that I could afford.said if they garnished my wages they would get more. I ask to speak to a supervisor. I told them several times i could only commit to {$25.00} a month without losing my house. The supervisor was extremely rude and kept over talking me. I actually had to tell her she did n't have to be so rude. At that point I agreed to {$75.00} a month that i am going to struggle to pay starting XXXX/XXXX/XXXX. She stated she would have the paperwork sent to me and I needed to fill it out and send it back so they could file it with the courts. As of XXXX I had not received the paperwork. I call them back and the representative apologized stated she sees where I spoke to the supervisor, but the notes are very viege. Stated no paperwork was ever mailed out and the agreement was not noted. This representative was very polite and said she would get that out to me and I should have it by next week. If I would not have called my wages would have been garnished due to the supervisor not submitting the payment arrangement she agreed to with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I previously filled a complaint. My complaint ID was XXXX. You closed my complaint after BOA answered but I have concerns with their response. I provided those questions in the feedback area but want to know if I need to start a new complaint to get my questions/concerns addressed. My questions are : 1.on XX/XX/XXXX I paid my {$510.00} regular payment and {$150.00} to principal. BOA applied {$610.00}. As my regular payment and {$50.00} to principal meaning you took interest on {$100.00} you should not have, correct? 

2. The interest charged by BOA went down steadily as the loan balance decreased, except for the months of XX/XX/XXXX and XX/XX/XXXX when the interest was higher. Why was the interest higher these months and not in line with the decreasing interest charged all other months 3. XXXX loan amt XXXX interest charged by BOA - XXXX XXXX total payments I made - XXXX XXXX paid to BOA by XXXX XXXX XXXX XXXX BOA paid me - XXXX. Why dont you owe me this?

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 2018-02-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX  to no avail, even though they know this loan originated in XXXX and was due to drop off in XX/XX/XXXXthey are not dropping the loan

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 2022-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked over and over again for proof of debt. Just because they say I owe the debt does not make true or accurate. I am owed under the law proof of ownership of this debt. I want proof that this is my debt and they can not supply it. I demand this removed from all three credit reporting agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a plane ticket with XXXX XXXX on XX/XX/2022 with my Citi Bank credit card in the amount of {$2000.00}. I'm requesting a refund in that amount. 

The trip involved a XXXX hr flight to the XXXX. 
I recently had XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
At the time I purchased the ticket I thought my XXXX XXXX was resolved. 
However, soon afterwards, I realized the problems associated with the XXXX  XXXX was still an issue. The major problem I have is being unable to sit for any length of time over XXXX minutes. 
After visiting my physician XXXX XXXX XXXX XXXX XXXX at XXXX hospital in XXXX, Tx, confirmed my fear and he wrote a letter documenting that a XXXX hr. flight with extended sitting could be harmful to my XXXX and possibly undo the results of the XXXX. 

I opened up a dispute through my credit card company Citi Bank on XX/XX/2022. 
The dispute # is XXXX. 
Citi and XXXX XXXX declined the dispute, but I have appealed that decision. 
I wanted to emphasize the letter from my surgeon stating the XXXX hr. of sitting on a plane could be harmful to my 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 2022-09-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Inquires that i do not recognize XXXX 3 times XXXX- 3 times XXXX XXXX 18 times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed this account on many occasions with XXXX, XXXX and Transunion and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting

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 2017-06-22
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I try to login to XXXX XXXX  XXXX ( Blackhawk Network ) to check my gift card wallet balance, I get an error message. It is the same error message for the past month. I have prepaid/gift cards in my virtual wallet online that I can access or look up. It is incredibly frustrating because I do n't have all of my gift card numbers on me physically, but I do have them on XXXX XXXX XXXX ( then going to log in instead of registering ). I ca n't login and have tried calling them numerous times but the company still says they are still working on it. I need to access these funds and check my balances but I ca n't because they have neglected their websites and their clientele.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian release my personal information after my XXXX XXXX was pulled by my local bank for a home equity line of credit on XX/XX/2022. Im now receiving calls from lenders on average of 50+ calls a day. Experian was never authorized to give anyone my home address, phone number or details of why my credit score was pulled.

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 2022-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.

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 2022-09-07
Company: Credit Karma, LLC
State: AL
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: Received unwanted marketing or advertising

Complaint:
I have received multiple offers for credit cards on credit karma and none of them have been approved although they stated that there were high of not guaranteed approval odds which is advertising false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: Information belongs to someone else

Complaint:
my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report

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 2022-09-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have 8 inquires on XXXX that shouldnt be on my report, i have 3 inquires on XXXX that shouldnt ne on my report, and 5 on experian that shouldnt be on my credit bureae period,

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 2022-09-07
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX  and XXXX XXXX it was reported that I missed a {$5.00} payment on my target credit card. The fee 's then amounted to about {$200.00} without any of my knowledge. Automatically, my credit score dropped from 760 to the 680 's because delinquent status. I contacted target and their vice president, but they weren't able to do anything. I'm in XXXX school and my credit score is low. I was wondering if these marks can be removed. I missed 3 low payments and I want to buy a home soon, but I'm afraid my credit score won't do me any justice. I have made all other payments, but this one mistake caused me to have a low credit score. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On Tuesday XXXX XXXX, XXXX I checked my bank statement and notice XXXX was missing from my joint checking account. I later discover that a unauthorized payment was made to navy federal rewards cards. I immediately called my bank to find out what was going on and was eventually connected to the collection department. The employee told me that they were covered under a security clause to take a payment if funds were available in a different account and that I waive my rights every time I swipe my card. When I questioned the validation of this policy I was told I would get an email that never happen! Finally the department agree to do a reverse payment within 24 hours. On XXXX XXXX I checked my account to see if the money was back in my account, unfortunately it was n't in there. We are a family of 5 going through tough times. I ca n't afford to have the credit card company take what they want from my joint checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Equifax/Equifax credit bureau is committing mail fraud. I sent my letter to them XX/XX/2022 and it arrived to the post office XX/XX/2022. My letter still has not been picked up. It will be a month XX/XX/2022. I am losing confidence in Equifax/Equifax credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Despite the evidence I have provided concerning the violations of both  Federal Law an d Florida Statutes that have been committed in the handling of the debt assigned to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -- which extend to committing mail fraud in an effort to cover up said violations -- th e 3 pri mary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute  83.39 (  a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than  two month s afterward and then feloniously intercepted it with the h elp of the Carrier for the route -- who was obligated to forward my mail on a p ermanent basis as of  XXXX / XXXX  /2016  -- in an effort to prevent me from finding out about it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report. I noticed I owed I. C. System, Inc {$510.00}. I do not have a signed contract with I.C. System, Inc. I have never done business with this company. I am not liable for collections from this debt from I.C. System, Inc. I am not responsible for this debt with I. C. System. My desired outcome is to have this deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CCF Intermediate Holdings LLC
State: TX
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:
I received an alert from XXXX bank that potentially negative activity was placed on my credit report. The complaint was made by XXXX XXXX XXXX. When I called this company they informed me that they were a collection agency and that they had attempted to collect payment for a loan I owed, but had gotten no response from me. The information I obtained was that the loan was made by Cash Central in either XXXX or November of 2021. I never applied or obtained a loan from XXXX XXXX. XXXX XXXX XXXX had my accurate address and Social Security number. Howerver, they had the wrong Drivers License number, the wrong bank, and they said they had verified emplyment at XXXX XXXX XXXX, but I have been retired for 8 years. When I spoke to XXXX XXXX they just said they had sold the loan and gave me no more information. They stated that they had contacted me by phone twice and I had said I would make a payment. I never spoke to anyone from their company. I had call blocking on at that time, so any call from them would not have even gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  an XXXX company, XXXX XXXX, has violated my rights. 

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

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

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 2017-06-22
Company: Experian Information Solutions Inc.
State: OH
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 placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me and that was n't done, which violates my rights as a consumer. I have reached out to the CB 's several times on more then one occasion to advise of my credit being pulled without my permission, but to no avail they refuse to comply.

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 2022-09-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have 8 inquires on equifax that shouldnt be on my report, i have 3 inquires on XXXX  that shouldnt ne on my report, and 5 on XXXX  that shouldnt be on my credit bureae period,

Company response to consumer: Closed with explanation