BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had gotten an alert from XXXX XXXX monitoring that new inquiry was made by USAA on the XXXX of XXXX I tried calling multiple times to close or report it as fraud, so it doesn't get approved since I didn't know anything about the USAA CC. I was transferred a dozen times each time I called or was put on hold for hours without any response. I requested a XXXX and after an hour was told it was approved to talk to a XXXX, but then was cut off during the transfer. I had XXXX more credit alerts this week XXXX the address was changed to XXXX XXXX XXXX XXXX in Tx and there was a {$14.00} charge and I lost XXXX points on my credit. I tried calling USAA, but no help I called XXXX and they looked into it. There was an CC issues at the end of the year 2000. I never activated it so almost 20 years later they did a credit inquiry and charged me {$14.00} for nonuse of a credit card I never used 20 years ago. For some reason USAA changed the XXXX address to the shady XXXX XXXX in Tx and that is their credit card department address is what i was told. After XXXX hours of being on hold today I still have gotten nowhere with them. I need the card any anything associated with USAA cancelled and refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
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: Information belongs to someone else

Complaint:
I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: JPMORGAN CHASE & CO.
State: TN
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:
I applied for Chase freedom unlimited credit card in XX/XX/XXXX through a referral link I received from Chase card holder. After opening the link an offer popped up saying apply now and receive {$200.00} bonus if spend {$500.00} in first three months. I did not receive a bonus and so I contacted Chase in XX/XX/XXXX. I repeatedly received a reply stating you have other offer activated on your account ( 3 % cash back ). There was no disclosure on the offer page saying offer may change. Chase did not inform me before, during or after application about changing the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$250.00} / XX/XX/2022

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 2021-05-18
Company: Slovin & Associates Co., LPA
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!

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 2020-04-24
Company: JPMORGAN CHASE & CO.
State: PA
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:
Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from actual creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2019-07-05
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX . XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are Equifax and XXXX. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with Eqifax ( confirmation # XXXX ) and XXXX  ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the foreclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Navy Exchange wrongfully cited me as owing on a account that was already paid. This check was made after everything was paid. The payments were taken out of my retirement paycheck.

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 2022-04-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We reached out to our Mortgage Provider Select Portfolio Servicing for a Forbearance due to the crisis as we did not have sufficient income coming in to pay the mortgage. They gave us a 90 day forbearance and over the phone they said that those payments would simply go on the end of the loan. Not too much longer after we recieved a statement in the mail that we were approved for the forbearance but we would owe all 3 months plus late fees at the end of the 90 days. We feel like this impossible to repay if we have little to no income now how are we going to have not only the normal payment ready to pay but 3 MONTHS additional owed plus LATE PAYMENTS. Which would be almost 4000 dollars plus an additional payment. Now they are sending us constant email reminders about we need to try to pay if we can afford to and that it would help avoid additional late charges as well back balance due! Are normal payment is around 900 dollars a month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Gotham Collection Services Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later Gothem Collection Services Corp make a move with XXXX XXXX XXXX XXXX XXXX , XXXX.got a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights.  Gotham Collection Services Corporation and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and XXXX list for ever atleast in your Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: RI
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:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX XXXX XXXX were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Nicholas Financial Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
When I got the truck off the car lot its was running fine then when I went to pick my kids up from school and started smoke and I had find someone take the truck over where he at and so I call the tower truck man come pick it up and he gave back next day and the air went out and the truck then its raining in there and the truck from the top so o ask him can I get XXXX row for me and my kids got XXXX kids so he gave me A XXXX seat and told me try to wait until XXXX so I try them i after I got XXXX tickets I call him told him dont want do truck no more cause I have got a tick and there so the bank man call me and say why wouldve he give u a big truck for kids and I took the truck and drop back off at his lot and its was pay update so the man at bank XXXX the truck to someone else and tell me that I have to pay for something didnt work for me at all after someone else got truck Im Not about to pay for no truck that I dont have and what he sold for cause I told him what was wrong with truck I think its was lemonade cause i away couldnt go home to XXXX XXXX  the truck will get hot fast and my kid always sweating In theres. He just wrong for charging me XXXX XXXXXXXX dollars and he sold the truck then put its on credit. That not rite all how someone gone pay for a trust that they ant got and I made the payment when I had the truck even know I drop off early month and I still pay the truck theyl so I stop pay for it Cause thats just wrong making someone pay for a something they Ant got and I just draw XXXX so how can I pay for something when my check XXXX XXXX even no i dont have incomes like that no more cause my kids income have dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 could not believe they did a full investigation on the account because it is incorrect.. Transunion keep on saying that XXXX XXXX  XXXX  is a charge off, they were paid off and was not late..CFPB step up and remove the account asap

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 2020-04-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX sent me a letter on XX/XX/2020, telling me that my forbearance had been accepted and that I would not be reported late. They still have reported me late. This can't be acceptable during this pandemic, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
Certified letters were mailed XXXX, XX/XX/15 and again in XXXX no resolution and cant confirm who is verifying this false information is inaccurate.

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 2022-04-05
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: RI
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:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX  XXXX XXXX were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation 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 2018-01-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase bank changed my credit limit on my Chase Freedom credit card without first notifying me. I have had the card for over a decade and never had my credit limit automatically changed. Upon talking to them via phone they said I had opted in for the service and notified me on my statement, however I : 1 ) was never told or opted in for this service and 2 ) find the credit limit notification intentionally misleading as it is in small font on page 3 of my statement, was vague in nature and did not compare the change to my previous credit limit. Chase regularly sends me general and secure e-mails about my account regarding both spending and term changes, however I never received this important notice about a change in credit limit. As a result, I see this predatory in nature and believe that Chase purposefully hid this change from me. I only learned of this credit limit increase through an independent watchdog service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX I sent the following letter : Dear Sirs ; I am, by this letter, disputing your stated balance of $ XXXX XXXX on Loan Number XXXX and informing you that correct balance is {$0.00}. 
I believe your erroneous balance is the result of the following three errors : 1. Incorrect Balance Transfer from OTHER $ XXXX 2. Interest Charges Related to carrying the Additional $ XXXX $ XXXX 3. Interest Calculations Made Using Due Dates Not Payment Dates $ XXXX On XX/XX/XXXX I received a letter dated XX/XX/XXXX from OTHER informing me that my loan was being transferred to Capital Mortgage Services of Texas ( see attachment 1 ). I sent to you on XX/XX/XXXX a letter stating that the balance OTHER was carrying was in error ( see attachment 2 ). I advised you in that XX/XX/XXXX letter that I would not accept any amount other than $ XXXX XXXX transferred from OTHER on XX/XX/XXXX as the amount that I owed to Capital Mortgage Services of Texas. 
As I received no response to this letter I called your office and spoke with one XXXX XXXX on several occasions. During these conversations I expressed my concern that interest on my payments was being calculated based on the Payment Due Date and not the actual payment receipt date. After several telephone conversations and email exchanges Firstname assured me that you had my letter on file and both the incorrect balance transfer and the interest calculation variances would be resolved when the loan was to be paid off ( see attachment 3 ).  That Day of Reconciliation has now arrived. 
Please review the attached payment history with my interest calculations shown ( see attachment 4 ) and forward to me any comments or questions you may have. 
Thank you for your help on this issue. 

Sincerely, My Name

Company response to consumer: Closed with explanation