BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-16
Company: Advance America, Cash Advance Centers, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been loaning with this company for several years. They have consistently held my check for 14 days after the due date to renew the loan. Suddenly, without warning, they claim they are no longer allowing checks to be held past the due date. They never informed me of this, and I have always made it clear that I extend it for the next pay period after the due date, and they never have a problem. Now they are threatening to deposit my check and cause me major problems with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I applied for a Chase United Explorer card in XX/XX/2018. I was promised XXXX XXXX bonus miles if I spent XXXX dollars within first 3 months. Since I didnt activate the credit card as soon as I received it, I called the customer service number in XX/XX/XXXX and asked if I would still qualify for bonus miles now if I go ahead and activate the card. The representative told me since the card had not been activated, as long as I spent the money within 3 months of activation I would get the bonus miles. I have since spent the required amount and Ive been getting runaround to receive my XXXX bonus miles. I have since called severa times and was told I would receive them and still no miles. Then I sent XXXX emails and was told I dont qualify and they will investigate. I just want my bonus miles because thats the reason I called prior to activation and asked if I would qualify and I was told yes or I wouldnt of activated card. Your assistance in resolving matter is appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I sent the attached request to XXXX XXXX and they received the request on XX/XX/2023. I have not received any correspondence back. The information in my consumer report is reflecting inaccurately. I would like this account to be investigated as according to my records it is reflecting inaccurately and I havent been able to get in contact with the creditor.

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 2022-12-21
Company: Genesis FS Card Services, Inc.
State: AR
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 a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to Gensis and can not get any assistance to remove this. I am reaching out to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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: Old information reappears or never goes away

Complaint:
XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX  account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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 information incorrect

Complaint:
XXXX   is reporting misleading credit information information about me to Experian. My  Lease  was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  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 2022-08-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently having issues with my mortgage company, LoanCare and HAF ( Homeowners Assistance Funds ) payments. I was sent confirmation on XX/XX/2022 that I was approved and payments of {$640.00} for the next 18 months would be sent directly to my mortgage service provider but as of today, XX/XX/2022 my mortgage loan is still currently late/past due, {$1200.00} and no payments have been made/accepted. Furthermore, due to this issue my credit score is being negatively affected.

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 2020-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a dispute No. XXXX to Capital one for a transaction made on XX/XX/XXXX for a Hotel Reservation refund in the amount of $ XXXXCapital One denied the dispute and close the dispute. I made Hotel Reservations with XXXX  XXXX XXXX XXXX for a Hotel Reservation in XXXX, XXXX for a stay from XX/XX/XXXX to XX/XX/XXXX. Due to Covid- 19 all traveling was banned. I reserved with the right to cancel at anytime. I cancelled on XX/XX/XXXX. XXXX offered me a voucher for future use which I did not accept it, and I asked for a cash refund to my credit card. It has been 130 days since I requested the refund without success. Eventhough,  XXXX sent me an email on XXXX XXXX stating they were going to process the refund and it was taking a minimun of 60 days to process the refund, I have not received a refund. I made a dispute with my card issuer-CApital One and sent all the documents that proof the purchase, the cancellation and the conversation with the merchant, but Capital One is not accepting all of this proof and stating that I did not comply with their request to send a refund voucher IF I have one from XXXX. How am I going to have a refund voucher if I am not even able to contact this merchant by phone, by messages, or by email anymore. XXXX  has not even processed the refund after 130 days of my request. CApital One is not protecting me as a consumer for a merchant that it is clearly unscrupulous. Capital One states that XXXX is making a suitable alternative by providing me with a voucher for future use. It is my understanding that Visa Guidance to card issuer states that a merchant should process a refund promptly if the cardholder declines to accept a voucher for future use. I can't contact the merchant. I am not getting help from Capital One which it is my understanding is as LIABLE as the merchant for a service not provide and a refund not even process. According to my Cardholder 's Agreement with Capital One I have the right to an Arbitration Claim, but they are simply  finding all kind of excuses to end this dispute as soon as it is possible. I clearly sent to Capital One the writing conversation with the XXXX 's representative IMPLYING that they were going to process my refund. Capital One should accept this statement as a proof of acceptance from XXXX to make a refund. I made a complaint with Capital One but XXXX ( Supervisor ) stated that even filing the complaint, Capital One was not going to do anything else. It is my right as a Capital One/VISA cardholder to be protected under the Consumer Protection Act of 1986.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
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 did not consent or authorized nor thing I again anything from these accounts. These accounts are not my accounts.

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 2021-03-10
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX, are reporting a {$0.00} debt on my report in which the debt was never paid out to them but to the original creditor. Also, never received any mail concerning any debt owed to this agency. I reached out to this collection agency after reviewing my credit report noticing this error to inform them to remove this account. I have also sent a dispute letter to this agency and have yet to receive any information about this account being deleted. I do not know this company as well as never have done any business with this company. This company does have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
On XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX, and Equifax Information Services LLC, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX. DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Under the XXXX, I was given a debit card from US Bank onto which my XXXX funds would be placed. On XXXX I noticed XXXX dollars transferred out of my card to someones bank. I filed a dispute and US Bank replaced the card and put money back into my account. Then, after using a new card they had sent, I became locked out of it and could not use it or log in. This was around XXXX. I called US bank and they helped me log in. Apparently my email had been changed to an unknown one to me. There was only XXXX cents left in the account. I filled out a dispute form again, and then they denied my claim. 

I then contacted the Officer of the Comptroller of Currency, that responded by letter, saying that I should be getting a reply from US Bank. US bank then sent me a letter stating that my account had been credited {$19000.00}, exactly the right amount that had been stolen. In order to unlock my account, US Bank needed further proof of my identity, which I provided to them on their own website ( sometime in XXXX ). I have no hard copy of it. After still being locked out, I called on XXXX and the representative said that the web form I had filled out did not exist. That same day, I sent an email with all required documents to XXXX, which was another option to prove my identity. I am still locked out and have not received my replacement card. Although I did get another letter explaining how to prove my identity ( dated XXXX ). I hope you can help me access my funds. 

US Bank rep did say that I could access the account, close it, and have a check sent to me so I could place it in a safer spot, in my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XXXX  HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. TD BANK CONSUMER ID NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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 Items XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: MD
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2021-10-07
Company: Experian Information Solutions Inc.
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:
US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account

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 2021-03-27
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan paid in time and in full. 
Payment has never been late.

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 2022-12-22
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:
I called XXXX/ExperianXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$32000.00}

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 2022-02-09
Company: Experian Information Solutions Inc.
State: OH
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:
The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below 1 ) XXXX XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$260.00} 2 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1800.00} 3 ) XXXX XXXX XXXX Account # XXXX Amount {$200.00} '' 4 ) XXXX XXXX XXXX XXXX Account # XXXX Amount {$160.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$130.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$120.00} XXXX ) Collection Account # XXXX Amount {$43.00}

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 non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-04-20
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX is reporting LATE PAYMENTS, Account # XXXX According to 15 US Code 681s-2, 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, and therefore a violation!

Late payments are ILLEGAL according to 15 US Code 1681a ( 2 ) ( 1 ), AND THEREFORE MUST BE REMOVED TO CURRENT.

Company response to consumer: Closed with explanation