BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/2018, I made an application online with Chase Bank for card member services business credit card. After time, i called and Chase said that they could not receive my documents or that way I'm sending documents ( faxed ), it looked like it could not be verified by myself. So, I went to the downtown XXXX XXXX Connecticut branch office on XX/XX/2018, then, they sent over documents on my behalf to cardmember services department. I have been getting run around saying that it's denied but, they only said they the way their receiving documents and someone else using my name, which I didn't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I just received a letter from a collector from XXXX with the amount of {$670.00} Reference # XXXX. Dont understand why XXXX didnt contacted me before if they gave all my information until years later after I notified them that I wasnt going to use their service anymore. I dont have a contract with them since it was month to month I dont appreciate the fact that after years without trying to contact me and we me not knowing they sent me with a collector and Ive never been send to collections before since Im a responsible person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied and was approved for a credit card with Genesis FS. When I received the card, I decided that I no longer wanted the card and never activated the card. I received a bill for their annual fee ( the reason I didnt want to use it ) and called them. The representative I spoke with told me they werent able to reverse the fee because it was contingent on my applying for the card. I asked her how could they charge me a fee for a card I have never activated nor used. She again told me it was because I applied with her company and was approved for the card. I told her I was going to report this to my states attorney general office. I called the attorney generals office and they referred me to file a complaint with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Sallie Mae loans on my reports that were paid off by the US Dept. of Ed during a consolidation of my loans when I left school. The loans are all now more than 10 years old and paid off for that period of time. According to the FCRA which I never see enforced by the CFPB, the old information is to be deleted when it reaches the expiration date. For positive credit it's 10 years, for negative credit it's 7 years. These items were positive and paid off in good faith by the US Dept. of Ed. The items are ALL MORE THAN 10 YEARS EXPIRED AND SHOULD BE REMOVED FROM MY CREDIT REPORTS - ALL OF THEM!!! I've repeatedly disputed this info with XXXX, XXXX XXXX XXXX XXXX to no avail. They continue to contact the Student loan provider stating the info reported is " inaccurate '' not " STALE DATED & DUE FOR REMOVAL ''!!! If Sallie Mae or whoever they call themselves now do not remove these items from my reports effective immediately then I will sue them in civil court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Don't care how long it takes to get a court date I'll be ready! Remove all of the outdated accounts now or risk being sued. I'll go after all 3 credit bureaus too since Sallie Mae pays them to report inaccurate credit information. We can do this the easy way or the hard way, their choice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Bread Financial Holdings, Inc.
State: ID
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:
Reported that account was 30 days past due. Made a payment before the cycle date. Account is no longer past due but reported payment late for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 2022-12-18
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am working towards loan forgiveness through the XXXX XXXX XXXX XXXX program. I should be credited with making approximately 115 " qualifying payments. '' Fedloan is crediting me with 94 " qualifying payments. '' Lump sum payments were previously made on my behalf through the US Department of Justice / XXXX XXXX Justice program. Fedloan has credited these lump sum payments made while my loans were being serviced by Fedloan as " qualifying payments, '' but has not yet credited the lump sum payments made while my loans were serviced by XXXX or XXXX XXXX XXXX. 

Fedloan has been performing this review for nearly two years. Customer service will not give me an estimate of when the review will be complete. I'd estimate it would take less than one day to actually review my payment history and credit the payments. Fedloan will not permit me to communicate by phone or email with the department performing the review. Contacting Fedloan results in more " reviews, '' but never an actual answer. I've previously filed a complaint in XX/XX/2019. Fedloan responded by saying they were conducting their review. They never actually completed this review, yet the complaint was " closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Lake view is subservicing for XXXX XXXX. I have a property tax exemption that is on my account with the county assessor. Lake view and XXXX have refused to change the escrow account. They issue refunds once a year but, refuse to refigure the amount due monthly. This month I tried to have the overage of escrow of about {$1800.00} applied to my mortgage for coverage of a payment that was due. They refused to allow me to use the money. I am paying approximately {$160.00} a month too much in escrow and they refuse to recalculate. I had to scream for them to wave the late fee as they transferred the loan to Lakeview and Lakeview processed a payment anyway without authorization. Please refund my {$1800.00} and recalculate.

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 2023-11-07
Company: DISCOVER BANK
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I started a application with Discovery Home Loan on or about XXXX for a home loan for home improvements. All my personal data along with my wife personal data was retrieved by several Agents that wrongfully submitted application after application. This was a systemic XXXX process to deny my application when I was approved, but when these other applications being submitted without my acknowledgment caused my initial approved application to become voided. Several agents in several states maliciously with knowing information intent to discredit and deny my loan application. I have several names and documents to support my allegations. This type of systemic discrimination and bureaucratic racism is long over-due as to being CORRECTED...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC report with fraudulent unauthorized inquiries

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 2020-12-30
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Paypal I want to appeal the outcome of this Paypal case ID : XXXX because when appealing thru paypal resolution is not possible, it shows a paypal glitch and error on the website and do not allow me to appeal. I am attaching pictures from the USPS delivery and pictures of item sold here. Please reverse the outcome and please put my {$490.00} back into my paypal balance again, I complied with the Paypal policy and rules and seller protection policy such as uploading the USPS tracking number. Thank you PS : here is the USPS Tracking Number : XXXX for my Appeal and URL link : https : //tools.usps.com/go/TrackConfirmAction? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  is suing me for a past debt from 2014 after the statute of limitations have expired and is in violation of the Fair Debt Collection Practices Act. They are also suing me in a state in which I do not permanently live or where the original debt occurred. After several attempts via email and phone, I spoke with a representative from Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  notifying her that I was not acknowledging or accepting the debt, but wanted to save us both some time and effort by settling the debt outside of court as stated in the notice that was received because it was the start of the pandemic and feared going out in public. The representative declined my offer to settle. 



Emailed on : XX/XX/XXXX XX/XX/XXXX Spoke with representative : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$21000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian clearly has no respect for the laws intended to protect consumer reports or Congress. I asked Experian to update the correct date of last activity or delete the account marked XXXX XXXX  on my consumer report. Experian is still reporting a date of last activity of XXXX and claiming this was verified after it has already been determined the date of last activity was incorrect and unverifiable. XXXX has since deleted that account due to the inaccuracy and accounts on my consumer report should look exactly the same. XXXX deleting this account proves Experian did not do a proper investigation and has harmed me by reporting an account they knew or had reason to believe was inaccurate. I have attached proof of this deletion to my complaint.

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 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I reluctantly opened at charge account at Kohl 's at the instance of a cashier ( XX/XX/XXXX ). 
I paid off the first bill online by enrolling my bank account information into the Kohl 's website. I don't remember agreeing to email statements ; it must have been a default checkbox somewhere. 
Some number of months later ( XX/XX/XXXX ) I used the credit card, expecting the bill to be paid automatically like every one of my other credit cards is. The bill was due XX/XX/XXXX, but unpaid since I apparently was not enrolled into the auto-payment system. 
Kohl 's online statement went to a junk mail account and I never read it. Kohl 's had the email receipt feature turned on, so they should have known I never read it. 
Kohl 's did not call me to inform me that my payment was late. The cashiers at the store can accept payments at the register, but they never told me that I had an outstanding balance. 
Kohl 's printed a USPS notification on XX/XX/XXXX. I read it on XX/XX/XXXX and I immediately called them and paid my bill, including all the fees ( which were almost as great as the original balance ). 
The customer service agent said that they report late payments at 30 days late and are required to report late payments ( this is not a true statement ). 
I called Kohl 's back a few days later and spoke to a supervisor. She said Kohl 's doesn't report late payments until 60 days late. My payment was not 60 days late, so I didn't worry much about it. However, I called back again and asked if Kohl 's had indeed reported me to the credit agencies. The agent did not know, but submitted a request to the back office. She said they would get back to me within a few days. They never did. 

My credit history was almost perfect and now spoiled because Kohl 's did make a reasonable attempt to notify me of the problem. 

My complaints : 1 ) Kohl 's did not call me nor send USPS mail when they should have known that I was not receiving their emailed statements. I would gladly have paid immediately upon notification.

2 ) The first agent said that Kohl 's was required to report late payments and there was nothing they could do about that. This is incorrect information.

3 ) The second agent gave me false credit information about when Kohl 's reports late payments. My payment was not 60 days late.

Company response to consumer: Closed with explanation