BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I attempted to applied for COVID - Relief in XXXX - on my auto loan - they continue stated I don't have an eligible account, I am being assessed late fees, and now they are reporting me as late on my credit report. Putting my job in a further compromised position. I can't reach a person. I have tried online, on their app on my phone - called and then rerouted to an automated system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: CT
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 have contact XXXX about this problem and also Equifax about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: Nelnet, Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XXXX of XX/XX/XXXXso its showing up XXXX times on my credit report because I have more than one loan with Nelnet. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XXXX of XXXX. So if my account was bought current and back dated to XXXX of XXXX then how can there be late payments posted for XXXX and XXXX of XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at Nelnet has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XXXX of XXXX. 

I also spoke to an advisor at Nelnet and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: NC
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX XXXX , XXXX XXXX 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 2021-02-24
Company: Army and Air Force Exchange Service
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is regarding the online payments system for the Military Star credit card, offered through AAFES ( Army and Air Force Exchange Service ). 

The online payments through their website are restrictive, which I can only assume has the intent of creating missed payments and interest owed. Specifically, you may only make a single one time payment per billing cycle. This was the error message when I tried to pay my balance : " Our records indicate you already made a payment this billing cycle. To make another payment before XXXX, please visit store customer service or make a payment via your bank provider '' Their recurring payment options were similarly restrictive, lacking an option to pay the full account balance. The offered options were minimum balance, previous statement balance, or a set dollar amount. 

On calling their customer hotline for more information I was told that I can make payments over the phone or in store at any time, but may not make more than one non-recurring online payment per billing cycle. They clearly have the capacity to process these payments, but want to make it more difficult and time consuming to do so. 

While these decisions they have made are ultimately minor and probably not illegal, I certainly find them to be unethical. I can think of no reason to restrict payment on credit card debt other than to generate missed payments and interest charges. This is especially troubling in the context of a lender that does business exclusively with the XXXX XXXX, a group that is particularly vulnerable to predatory lending practices.

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 2019-02-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I Tell the bankXX/XX/2019 Some one stole my money from my account and ask themto close my account directly. 
they promiss me they will do it. but I figure out in XX/XX/2019, someone still take money from my bank. 
I complaint again. the bank they said they cant return my money and cant close my 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 explanation
Consumer complaint received 2019-10-31
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lockhart Morris an unknown company collecting for XXXX XXXX XXXX in the amount of {$8600.00} since XX/XX/2019. I have asked for proof of contract to prove this is account since I do not know who either company is and why they are saying that this is my account. This has lowered by credit score and quality of life. Legally this is not fair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: IL
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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Investigation took more than 30 days

Complaint:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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:
XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX Equifax XXXX. XXXX  XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX, I purchased a bike at Zero percent interest for 12 months from XXXX XXXX   and is XXXX XXXX  XXXX  total is {$2100.00}. Then XX/XX/XXXX, I purchased another bike and the terms were 6 % at 36 mos and the total was {$2900.00}. So, I made payments in XXXX, XXXX and XXXX of {$200.00} each month. The balance is roughly {$1600.00}. Anyway, XXXX is applying funds and fraudulently putting money, how it sees fit. I have sent them a total of {$3300.00} as of XX/XX/XXXX of an initial purchase of roughly {$4500.00} total. 
I was told in XXXX, the remainder was {$1100.00} and XXXX adjusted it to {$800.00} after paying {$300.00}. To see XXXX statement put the balance at XXXX.Once again, what is said, is different than on the statement. 
In XXXX I made a payment of {$500.00}, ( the zero percent purchase is only getting 5 % of the remainder ) as well as an additional {$350.00}. The zero percent still has a balance of {$700.00} and is threatening to charge me {$750.00} if not paid for by XX/XX/XXXX. The rep stated in XX/XX/XXXX, the remainder was {$670.00}, statement arrives with different numbers. 
I have called them twice in XXXX, four times in XXXX. 
Every month they manage to lose {$20.00} or more on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i stayed at a hotel and they held XXXX dollars for hold authorization the hotel said they released the funds and cash app says they domt know anything about the money and I have never received it back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Early Warning Services, LLC
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 disputed unknown inquiries on my Early Warning Services Report. The company did not want to perform investigation ( XXXX XXXX inquiry ), refused to give me contact information of those inquiries so I can contact them by myself and see why they obtained my report. EWS said they don't have any evidence for the permissible reason of the inquiries and they won't remove the inquiries either. Provides inadequate information. Provides outdated information. And easily spreads my report to who-ever without my authorization or permitted by law, which puts me on a risk of identity theft. The uploaded file is evidencve that EWS doesn't care to who they give access to my file, and when i asked what is the reason they gave to the company in question, they simply ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 do not agree with the results of a capital one credit dispute case [ XXXX ] we opened for the charge of {$1000.00} in the end of XXXX for the XXXX tuition fees as we did not receive the service from the merchant. 
Merchant charge our credit card as they had in their possession with a promise of service when school reopen, but school was closed and they told us that fees of XXXX tuition fees will be adjust next month but as the government decide shut down the state the school was closed for next few month and we decided to take the kid out as this was his last year. 
Capital one has not done a fair review of the dispute case we opened, even after I have shared all the email communication I received from merchants about the credit they promised by the end of XXXX but when they failed to do so, I opened the dispute with Capital one. Capital one has clear communication that the merchant promised and failed and Even while we were on call with the merchant and capital one dispute supervisor merchant agreed that they will refund but dont have any date for it and want us to follow up after 6 month which Is not fair as in XXXX it would be year.

Company response to consumer: Closed with non-monetary relief