BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to race and gender as my score is drastically different than my XXXX counter parts who have much more debt than I do

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 2021-06-08
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debit card listed as the payment method on my XXXX website account was cancelled in XX/XX/2021. I did not pay the debt on my account until XX/XX/2021, which was {$28.00} at the time. I called XXXX directly, gave them my new card number, and paid the debt on XX/XX/2021. Despite this, I have received multiple letters and phone calls attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Information belongs to someone else

Complaint:
i've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, 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:
I have sent 3 rounds of letters to Equifax requesting they remove the student loans on my file that are clearly marked as " transfered ''. These tradelines are holding my score down making it very difficult the navigate through financial life successfully. In addition to the transeferd tradelines there are also accounts reporting past the legal reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: MD
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:
Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from Experian credit report.

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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the saving account for the {$25.00} bonus. I was supposed to received the {$25.00} bonus after 3 consecutive auto transfers from checking to savings. I notice on XX/XX/2019 that automatic transfer was cancelled for not enough funds into my checking 's account. Therefore, I put enough funds in my account on XX/XX/2019 requested that the executive team reactivate my automatic transfer for the month of XXXX. Although Ms. XXXX reached out to me from the executive office, she failed to try to resolve my concerns ( case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My monthly bill is due on the XXXX of each month with a 10 day grace period. For the last 10 months I have received harassing phone calls that are placed within the 10 day grace period asking me to pay my bill. Last week on XX/XX/XXXX and XX/XX/XXXX I received two harassing calls from Kia Motors Finance Company. All the while the payment was made on the XXXX and received on the XXXX. I asked them to stop harassing me and told them I will file a complaint. In retaliation my credit score dropped 68 points. 
Prior to this situation Kia Motors during the fall of XXXX Finance Company took {$1400.00} out of my account that was not authorized and I had to have XXXX  XXXX XXXX return {$710.00} or so back to my account. This caused financial hardship for 6 months.

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 2020-11-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Bank 's manger compiled the attached table. Red ( Misapplied????? by Navient ) are still missing and totaling $ XXXX-which is unapplied/misapplied by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Social Finance, Inc.
State: OH
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:
On XX/XX/2021, I applied for the SoFi Credit card with a promotion stating that once you apply for a credit card and make a purchase by XX/XX/2021 you will receive {$100.00} worth of bonus points within 45 days. I made a purchase on XX/XX/2021, and by early XX/XX/2021 the points had still not posted. I called SoFi who said that I qualified for the promotion and the points will post by my statement ending on XX/XX/2021. By XX/XX/2021, the points had still not posted to my account and I called back and they said I qualified, but they would have to look into and email me. 

I never received an email so called SoFi back the following day, and they said they would submit a ticket and get back to me. 

I still had not heard back, so again called SoFi on XX/XX/XXXX who said they would submit a ticket and I will receive my points in 10 days. 

By XX/XX/XXXX, I still had not received the points so again called. The Credit Card team stated that I was supposed to be awarded the points by XX/XX/XXXX, and transferred me to the SoFi Money team who handles the points for follow-up as the points still had not posted to my account. 

The XXXX team claims the ticket is still opened, and I would receive the points, but provided no timeline for resolution. For points I should have been awarded in early XXXX, and five plus calls to seek resolution is not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-06-30
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:
I am a victim of identity theft. There are accounts and inquiries that I was absolutely unaware of. I have no idea who has stolen my identity but this isn't fair that people can apply for things without my consent and it goes on my credit. Please remove these fraudulent acounts.

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 2020-09-23
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:
MY IDENTITY WAS STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.

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 2018-10-19
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/XXXX and US Bank agreed to accept reduced payment until they shut off access to my on-line account for me to make payments and the bank refused to accept payments because they were starting foreclosure proceedsing in XXXX/XX/XX/XXXX. 
On XX/XX/XXXX, I paid US Bank {$2200.00} via cashier check to bring my account current and stop foreclosure proceedings and was told my monthly payments would be reduced to an amount that I could afford. 
US Bank lost my cashier check and found it in XX/XX/XXXX. Despite the agreement that they made that the the {$2200.00} would bring my account current, they are now requiring that I pay {$1.00}, XXXX as part of a repayment plan, plus {$1000.00} for a monthly payment, for a total of {$2200.00} by XX/XX/XXXX. If I don't pay the {$2200.00} by XX/XX/XXXX, they will start foreclosure proceedings again. 
Additionally, I am required to pay {$410.00} by XX/XX/XXXX as part of a repayment plan. 
I have been in conversation and correspondence with US Bank regarding this matter and they have refused to honor their committment.

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 2018-05-22
Company: EQUIFAX, INC.
State: NY
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:
I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Account status incorrect

Complaint:
I have been trying to dispute this with trans union and XXXX  but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but trans union/XXXX  refuse to allow me to dispute again.

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 2018-11-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQuifax you are the only one still reporting this account the other credit companies have remove this account.XXXX XXXX XXXX this is not my account your report states closed XXXX, bal XXXX  min monthly payment XXXX still shows reporting of payments, last payment -- -- -, amount past due XXXX, worst payment no info, i contacted XXXX XXXX XXXX  they state the only thing they had was a credit card was sent to my address { I request a Copy of signature that it was signed for here at this address never responded it, even a return receipt with a signature no response they state it was sent by regular mail, Nothing show an actual signed contract with my wet ink signature on it from XXXX XXXX XXXX or remove it at once like the other credit companies have .AnFCRA 623,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
JP Morgan first approved an external account for transfers from my checking account that I linked to my JPM account ( XXXX ) and then refused to put through a scheduled transfer for it. In the process, it degraded my credit score and made me miss a payment the transfer money was needed for. 

When I first called the customer service number to get help, a recording said the waiting time was 30 minutes. After 45 minutes, a person actually came on the line. After I gave her my checking account number, she then demanded my credit card number. I told her to wait while I got the credit card number. She did not wait but instead put me into an automated system. After it asked for the same information, at least 2 more times, a recording said it would be another 20 minutes to reach anyone. 

I also tried to request information online under the transfer page, to see what idiotic explanation JP Morgan would provide about why it first approved an account to make external transfers to and then, when one was attempted, cancelling it. But the online robot, like the live one, was also dead. 

Why does the CFPB allow JP Morgan to habitually fail to provide services it widely advertises? 

Why does the CFPB fail to sanction and penalize this bank for habitually lying and giving customers the run around? Why doesnt it prevent JP Morgan from opening new accounts for an extended, indefinite period of time, until it actually provides advertised services on accounts already opened? Why doesnt the CFPB act according to what everyone else knows about this bank : it is too big to fail, jail, manage, or even hold accountable by the CFPB. 

As I write this, I have been on hold with JP Morgan 's customer service number for over 1 hour and 15 minutes. It will be longer, I am sure, than it will take me to finish this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I request options for payment plans on the website, it offers me several options such as graduated repayment program, RPAY, etc ... my totals due double up and I would end up owing double of what I owe now. example If I have XXXX left to pay and request to change to new plan my new payment plan would be XXXX total owed and would be owing up until 2029. How is that helping me pay off my loan? I don't think this is fair and yes I am in a higher bracket income but I want to do the right thing and pay this off. How is this fair at all for those of us who worked so hard to get these degrees only to get ripped off and charged higher to request to pay off loans sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Public record information inaccurate

Complaint:
XXXX  and Equifax are both showing two Bankruptcies on my credit file. I have disputed several times because I know that is not correct. Each time they both indicated it was valid. I disputed the information with XXXX XXXX directly and they indicated they did remove it. The two bureaus have yet to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to Experian and To Whom It May Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.

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 2021-07-12
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt collector is withholding insurance proceeds of {$8100.00} from me. It was my insurance policy. I put money out of my pocket to pay for the home repairs after the Hurricane and I am the one who negotiated with the insurance adjuster, met the follow up inspector and submitted my claims for the recoverable depreciation. The {$8100.00} collected is due me - the consumer - not the 3rd party debt collector. Each check sent in was done so via Special XXXX XXXX XXXX for the benefit of the beneficiary, ie me. Please help me get this returned. I am submitting this request in a good faith attempt to resolve this issue administratively. If necessary, I will go to court next. Thank you kindly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.

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