BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Express is the credit card company I would like to file a complaint for. 
I applied a credit card Delta SkyMiles Gold Card from American Express back in XX/XX/XXXX  with a deal that I would receive a welcome bonus of {$300.00} if I used the card to purchase XXXX XXXX tickets and also if I spent {$2500.00} in the first 3 months after opening the account. I received the card several days later after the application but there was no indication from XXXX that I would not get the welcome bonus {$300.00}. In between, I did not receive any letter or email from XXXX that the card was provided to me but no welcome bonus that I was qualified. Without knowing it, I charged the card for XXXX XXXX tickets and continued to spend more than {$2800.00} in the first month and a half on the card. I had discussed this matter with the company 's representatives. They answered that they would bring this compalint up to the upper lever and let me know if they came up any solution on my case. After waiting for some time without an answer from them, I decided to pay my first statement balance immediately but left out {$300.00} which I was supposed to be given ( I paid them on XX/XX/XXXX for {$2500.00} ). As of today XX/XX/XXXX, I have not received any answer from XXXX regarding the status of my {$300.00} welcome bonus. So far, I had received 2 more statements which showed interest and fee of {$330.00}. I had closed my account on XX/XX/XXXX XXXX 
Please let XXXX know that I do not owe them any money and do not want to receive any more statement from them from now on. 

Thank you for the help on my case. Your time and effort is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX American Express card XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. Thank you.

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 2020-12-23
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour 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 explanation
Consumer complaint received 2023-02-18
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime is suspicious of me for receiving unemployment from Michigan when I currently live in XXXX. Theyre asking for me to verify how I qualified when i simply called in and gave the unemployment office my employer ID and social and verified my residents. Ive sent them my approval letters from the state of XXXX  and theyre refusing. Please assist me in getting them to actively investigate by calling the unemployment office and release my funds so to stop playing XXXX with financially vulnerable people because they can without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; XXXX, XXXX, and Transunion. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.

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 2023-08-27
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Aidvantage has provided me with a long over due XXXX evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next XXXX. After I will file complaints with XXXX, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX  in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-04
Company: Experian Information Solutions 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:
I did not give permission for Experian XXXX or XXXX to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: GA
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 about inaccurate and misleading information on my consumer report. To this date it has been 47days and still no response. It has been a tough time for me especially due to covid and with this failure to comply with the law it has had a great impact on me moving forward. I have been reading up on 611 ( A ) of title 15 chapter 41and realized this is a violation of my rights. The information I presented should be deleted immediately or I will file for litigation because of the great amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX a XXXX  XXXX bankruptcy was filed. All of my credit cards were closed. 

XX/XX/XXXX My attorneys office negotiated my overwhelming credit card debts ( no payments were ever late ). 
All payments were made as agreed with the couple of credit cards that were involved. 

However Chase kept returning my bank checks. The agreement was for 3 payments. One payment was accepted, the other 2 they kept returning. I called them and they refused to tell me where to send the checks because " I was represented by counsel ''. After many calls, they finally told me where to send the checks and I did, certified mail, receipt requested. I thought our agreement was completed and the debt satisfied.

No contact attempt has ever made to me or my attorney to the contrary. The large envelope I sent was never returned to me. 

Chase reported to the credit bureaus 4 year later! 
{$14000.00} Charged off/CO XX/XX/XXXX A duplicate reporting for the same duplicate amount on XX/XX/XXXX. 6 years later after debt was satisfied. 

Damaging my credit all over again. XXXX points down overnight and still dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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:
i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX  XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to dispute information with LexusNexis but they refuse to provide me my report or even allow me to dispute any information. I was denied my enrollment in CLEAR because they use LexusNexis and the info that was used to identify me was completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Massachusetts Educational Financing Authority
State: NY
Product: Credit reporting 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:
There are inquiries that I do not have accounts to or apply to. I would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: MIDFIRST BANK
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
To Consumer Finance Protection Bureau : This letter is to file a complaint regarding my mortgage company and notify you of the following mishandling of a condominium property at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX. 

Regarding Midland MidFirst Mortgage I have had multiple discussions with people in different departments at Midland MidFirst Mortgage requesting assistance in the following circumstances which have resulted in major hardships and affecting FHAs property.

Having purchased my FHA loan, my mortgage broker explained that Midland has to uphold FHA guidelines. 
I finally reached out directly to FHA/HUD and was directed to one of their housing counseling agencies. Their representative said to file a complaint with the CFPB, because 1. Midland could have helped me but did not and now FHAs property is compromised, and 2. that FHA needs to be made aware. 
I have documents and notes regarding Midland Mortgage that I can provide. 

1. As ofXX/XX/XXXX, my homeowners Insurance was canceled due to disrepairs of my buildings failing foundation and crawl space, water intrusion, mold, likelihood of collapse, etc. 

2. As part of a townhouse condominium bylaws and covenants, the foundation, exterior, and roof repairs are the responsibility of the homeowners association / HOA as stated in the agreement signed at closing in XXXX. 

3. Since notifying the HOA in Fall XXXX of the issues, nothing was done, and the HOA is in breach of contract and has misappropriated funds and lacked adequate reserves to maintain or make the repairs. 

4. I paid an engineer to provide a report and a quote to remediate and seal off my interior. He said without the foundation and crawl space being repaired and remediated, the interior walls, ceilings, floors, pipes, etc. will continue to detach, and that the mold and sewage gasses enter from too many areas - your property is unsafe to inhabit. 

5. As a result, the property is not livable, and I am therefore homeless and sleeping on friends ' sofas since XX/XX/XXXX. 

6. In XXXX I tested positive for XXXX and XXXX XXXX. This has required extensive medical visits and I have had to delay testing to determine treatments because of the costs. 

7. The property is vacant and is not sellable or rentable. The HVAC sits in a crawl space where water continues to accumulate and therefore can not be replaced. 

8. I have continued to pay all mortgage payments since XXXX until recently, HOA dues, utilities, etc., but this has drained my savings and retirement ( now XXXX ). I need your help. 

Thank you for offering this service. A PAPERLESS response is requested, and I can be reached at XXXX or call/text XXXX. 

Sincerely, 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 2023-08-27
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I had colleges and universities enroll me without a XXXX XXXX XXXX Based on Lies. The Schools were aware that I was not a high school graduate and all enrolled me, collected disbursements and XXXX XXXX  from the Department of Education Repeatedly. 

I've Reached Out to Aidvantage and the Department of Education to Rectify this and Nothing has been done about it " For Years ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Mortgage Research Center, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I entered into covid for forbearance with Veterans United and it was explained to me that at the end of my covid pause that they would be able to modify my loan or refinance to a lower rate. As I was applying for the modification for 3 months I was entering into my application the same information over and over for 3 months when they had all the information the first two weeks. Then exactly after my 6 months of covid pause then they tell me that my modification was rejected. It was my instruction that the company would at least in the end wait until I refinance to collect arrears. I am able to make my normal payments but now they tell me they won't accept my payment only the whole amount due. My income is now the same as when I bought the home to qualify for the mortgage but it seems that it won't work with me on on the matter. I feel that the company is not treating me fairly with the covid situation I had which was not my fault. My wife after the covid shot irritated a XXXX in her head with led to a major operation and effecting my income for a whole year and it seems a company working with XXXX XXXX  would be a little more considerate of the situation during the covid forbearance. I know that I'll be refinancing soon and I could pay the arrears.

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 2023-12-04
Company: ALLY FINANCIAL INC.
State: WI
Product: Credit reporting 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:
Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : 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 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 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 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 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 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 explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I started a treatment with XXXX XXXX XXXX. I only did three hours due to my XXXX. I wasnt able to finish the treatment but they still want me to pay {$6000.00} I already paid {$1200.00} I cant afford giving them more specially cause I didnt finish the treatmeant. I also read so many bad reviews about this company they tell all the clients that they need their experimental treatment and they do t take no for answer they force you to get the treatment.

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