BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
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:
I am submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for you to correct these following accounts : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$510.00}.

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 2018-10-01
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
Hello, I currently hold a Chase Freedom XXXX card, which offers rewards on general purchases at a rate of 1 %. Sometimes, though, Chase offers a 5 % reward on certain categorical purchases. From the months of XX/XX/XXXXthrough XX/XX/XXXX, it offered 5 % cash-back on gas-station purchases. 

On XX/XX/XXXX, I purchased a {$200.00} gift card at XXXX, whose primary form of business is the sale of gasolines. Indeed, I have earned 5 % rewards at XXXX through Chase Freedom before, when Ive purchased gasoline at their pumps. This time, however, Chase assigned me only 1 % for the purchase. 

When I asked Chase to explain why I earned the lower amount ( rather than 5 % ), several Chase customer service agents told me that gift cards are not included. That would be sensible, except that they have been unable to point to any language in the credit card agreement that would support their conclusion. When I pressed them, they repeatedly quoted policy and ultimately shared with me the following : What types of merchants are in the 'gas stations ' category? 
A. Merchants in the gas stations category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category ; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies. 

The language is available at : https : //www.chase.com/index.jsp? pg_name=ccpmapp/shared/assets/page/Online_Rewards_FAQ The above language, however, does not dispose of the matter. It merely defines merchant, which would include XXXX as a gas station. When I wrote back and explained that to them, I added that that I was frustrated by their inability to show me any language that supports their position. I then was told not to write them again. Instead, they want me to begin the process over again by calling into customer service ( despite that I had already spent time writing and responding to several emails ). 

At this point, my main complaint is that Chase is not fulfilling its promises regarding my card. If it has legitimate reason for not applying the 5 % cash-back rewards, it should point to the appropriate policy language. It has not done so. I fear it is engaging in a bait and switch tactic. Perhaps they are doing this to many other unsuspecting customers. 

Please help. 

Thank you, XXXX-XXXX XXXX XXXX-XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not recognize how this account is reporting on my credit report. 
I dont recognize the account number nor do I recognize the account status. 
I dont recognize the Acc balance. Everything here doesnt meet FCRA

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 2020-10-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have filed a dispute and have not received any communication in 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: LAND HOME FINANCIAL SERVICES
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, I am writing this letter of plea for assistance. My mortgage company has not been cooperative with obtaining my payoff. I requested a payoff and never received the payoff information as requested. Instead my lender contacted me asking me did I want to refinance. I told him I was selling the house and I need an active payoff. I never received a response from him when I asked to have a conversation. 

The mortgage company said they sent the letters out, but we never received any of the information stating that we had received any of the letter stating that we were being foreclosed. I requested a pay off in early XXXX XXXX of XXXX. My lender, XXXX XXXX, messaged me on XX/XX/XXXX to say, Hey XXXX, We got a payoff notice. Are you wanting refinance or sell the House? Would you have a few minutes to talk? XXXX XXXX -NMLS XXXX. I replied, Hey XXXX. Im selling the house. We can still have a conversation. I never heard from him. 

My title company requested a payoff early XXXX so that we would be able to close ; however, we get a notification before closing that the payoff was never received. I called the mortgage company and the young lady said she had record of it ; however, Land Home Financial and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX office are both stalling. I had a buyer for a my house and it was supposed to close on XX/XX/XXXX. The house was supposed to close, but it was still stalling because they will not give a payoff. 

I requested assistance with my foreclosure packet and never received assistance. Land Home Financial ended our calls several times when I asked for help. I am not sure what to do because they are being uncooperative. Will you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: AL
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 challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and XXXX XXXX showing on my credit report on XX/XX/2018. I asked for Equifax, XXXX, and XXXX to please validate this information with United States Bankruptcy Court XXXX District of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX District of Alabama stating they do not report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON XXXX OF 2017 AN ACCOUNT WAS OPENED IN THE AMOUNT OF {$420.00} DOLLARS. I HAVE TRIED TO TALK TO THEM DIRECTLY. NO RESPONSE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried repeatedly to freeze our credit report account with Equifax. 

I first applied on line on XX/XX/18, but at the end of the process, I was told a pin would be sent to me, without which they could not freeze the account. No pin was sent. 

I then called them on XXXX on XX/XX/18, and after answering over a dozen security questions going back to addresses and accounts we had decades ago, I was told I had failed to answer his questions and had to verify my identity by sending them a large number of documents. Since I had answered all his questions to the best of my ability, I asked which I had failed so I could look them up, but he refused to tell me. At this point, I asked to speak to a supervisor. 

We then went through all the same questions again, with the same result. I felt that sending them the documents they requested was unduly cumbersome and uncalled for, and so I refused to send them, saying that I would file a complaint with the CFPB. 

I believe that Equifax is deliberately obstructing our ability to freeze our account as they are required to do by law and request that the CFPB investigate their obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX is currently in mediation with XXXX XXXX. The homeowner received the LM copy on XX/XX/2018, and once I received this, I sent to all mediation parties. 

The homeowner was the one that gave me a copy for everyone. Since I reviewed the first page, I noticed the XX/XX/2018 deadline. I asked XXXX XXXX for an extension since the deadline is only 1-2 business days from when we received it! 

The Attorney from XXXX XXXX said they couldn't give her an extension on deadline to send final mod back. The Attorney responded " This is not a servicer requirement but HUD/FHA. I will pass your request along, but I recommend not relying on extension. This needs to be priority. '' ( So the deadline to get a Notary, review all terms in this final mod and make sure it looked okay, talk to her Housing Counselor ( me ), get any questions answered, and send back XXXX was XX/XX/2018. This also required her to make the XX/XX/2018 Modified payment by then. There was no discussion of a grace period date after I asked them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint earlier and after waiting over a month I got a response and talked with a XXXX XXXX XXXX and he informed me that Bayview screwed up the repayment plan. I was then told on the XX/XX/XXXX that they had put a response on the Vice Presidents desk who was out of the Country probably conducting more illegal business for Bayview and that a decision to waive a payment and bring the account current was going to be done. Then two days later I get a Notice of Default and Intent to Accelerate notice in the mail after XXXX told me that since Bayview screwed up the figures and breached the contract. Bayview is nothing more than a fraud and illegal business practice and maybe somebody at this company should advise the Government to overtake this loan company and get people in prison and correct the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Complaint- XXXX  , Experian and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX  and XXXX XXXX. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, Experian or XXXX  that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2. 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  3 . University XXXX XXXX - $ XXXX Experian XXXX XXXX XXXX XXXX XXXX $ XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!

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 2018-10-01
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: Information belongs to someone else

Complaint:
Complaint- XXXX  , XXXX and Equifax- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, XXXX or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX- Equifax XXXX  XXXX XXXX - $ XXXXEquifax XXXX XXXX XXXX $ XXXX EquifaX 2.  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 3 . University of XXXX - $ XXXX XXXX  XXXX XXXX XXXX XXXX - $ XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX   If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>> XX/XX/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 2023-06-13
Company: Experian Information Solutions 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: 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 explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: LA
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 items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus Equifax, XXXX and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Century First Credit Solutions
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In XXXX XXXX I signed a contract with XXXX XXXX to repair my credit. In this contract we agreed I was gon na make payments for 30 months and all my accounts were gon na be pay and my credit repair. Is been 5 years since that day where I Made all my payments but the company XXXX XXXX has not yet resolve my credit problems. I tried reaching out to them but they never pick up the line and when they do they never give me a resolution. I would like for my credit to be fixed and all my debt pay off As I was promise in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
For several years during the period between XXXX through XXXX Santander Consumer USA Inc. made auto loans it knew low-income and subprime borrowers could not pay. Santander violated consumer protection laws by locking subprime borrowers into loans it knew, in some cases, carried default rates of greater than 70 %, according to a statement from California Attorney General XXXX XXXX. California was joined in the suit by the top lawyers of 32 other states and the District of Columbia. Santander reached a {$550.00} XXXX dollar agreement to settle charges. The lender is set to pay consumers {$65.00} XXXX in restitution. The bulk of the settlement- {$470.00} XXXX comes in the form of loan forgiveness.I have submitted requests to all credit reporting agencies and the company to have this matter removed. to date no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX, my spouse is XXXX XXXX. We both have Amex Hilton XXXX Credit cards, with cards ending XXXX and XXXX. The card comes with a benefit that will have {$250.00} credit for each card for Hilton Resorts Booking. I use my card to book a one-night XXXX XXXX XXXXXXXX XXXX CA which is part of Hilton Resort for {$460.00} on XX/XX/2021, and my spouse XXXX XXXX uses his card to book another night at XXXX XXXX XXXXXXXX XXXX CA for {$470.00}, which is posted online at XX/XX/2021. I used this benefit before and the credit arrives within 1 week of qualified purchase, but for these two hotel bookings, It is already one month and we don't see the {$250.00} credit posted on both of our Amex Hilton XXXX credit card account. I called AMEX several times and the representative just asked me to wait. But I don't think waiting for over 1 month and credit does not arrive is a reasonable time frame, and definitely, there is some issue here.

Company response to consumer: Closed with explanation