BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: CT
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:
I contacted all three of the credit bureau, XXXX, Equifax and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Another issue with Chase Sapphire Reserve benefits. 
It is just absurd to allow this bank to operate freely like that with no consequence. 
Now I have a claim for the Purchase Protection that is another disaster. 
I purchased a glass pot during a trip through XXXX and unfortunately it broke on the bus. 
I submitted all the documentation including photo of the broken pot, receipt and credit card statement. Everything just like as requested, and in order. 
All I keep getting is a request from the company saying my receipt is not legible. So absurd! It is very clear, you can read every single character there. It is a high definition photo that allows you to zoom and see even the tiny paper marks. There is absolutely nothing illegible there. 
If the person working on the claim really thinks it's not legible, I strongly suggest doing an eye exam. 

*I refuse to play this game*. 

It is the THIRD time I'm requested to reupload the documentation, and the documentation IS VERY clear and totally legible. 

This is a clear attempt to not deliver the benefit, and should be investigated. 
I'll attach here the exact same image I sent to the claim. 

CFPB : we are dealing with an IRRESPONSIBLE company that should be fined for doing this. As I said before, THIS IS NOT the first time I have problems with benefits offered by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DIVERSIFIED CONSULTANTS INC opened : XX/XX/2018( 2 mos ) i have tried to resolve this issue of identity theft on my credit. i need your help to resolve this for good on my account, i have been trying to purchase my first home and this problem as stopped me and my family from doing so. if you could please help me to remove this off my account i would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company ( capital one ) is punishing me with a late fee for making an early payment. When I made this payment, the website did not inform me that the payment would not apply to my statement for payment/late fee purposes. The company refused to remove the late fee or offer any ways to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Dealership ( XXXX XXXX, CA ) and Ally Bank was my financier. It was a 3 year lease that began XX/XX/XXXX and was payed in full by XX/XX/XXXX. This was before the contract end date of XX/XX/XXXX. I turned in the vehicle on XX/XX/XXXX and received all assurances from the car dealership ( XXXX XXXX XXXX - XXXX XXXX, CA ) and Ally bank that I was done with payments and that I had fulfilled my end of the lease agreement. However, the following month on XX/XX/XXXX {$280.00} was mysteriously deducted from my bank account by Ally for the leased vehicle I had turned in a month earlier and paid off almost two months prior. I called Ally and after a while they admitted the deduction was taken in error, but would not agree to refund the money back to me. They stated I had to wait until the car was auctioned to get my money back - the money they took in error. This was never explained to me and furthermore, how am I linked to a lease vehicle until it is auctioned. This was never stated in my contract. Would never ever lease the vehicle if I knew this was a condition of the agreement. We are in the midst of a global pandemic and I can not afford to lose {$280.00} whenever Ally decides and then refuses to return to me. I also do not want to be linked to this lease any longer. No one at Ally can explain to me why and how I can formally and fully relinquish ties with this lease. Please help. 

All Correspondence with Ally Bank : Calls / Case Number : # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX XXXX / Case Number : # XXXX # XXXX Called XXXX - Executive Customer Relations, Ally XX/XX/XXXX - Voicemail XX/XX/XXXX - Voicemail

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 2018-07-02
Company: Reliable Credit Association, 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 filed for bankruptcy and since it was discharged they have done a hard inquiry on my credit 2 times. XX/XX/XXXX and again on XX/XX/XXXX.  They have not called or emailed me. Made no attempt to contact me that I am aware of other than accessing my credit report. This is not acceptable. I filed bankruptcy to try and repair it not to have them ruin it even further. This is causing issues with renting a home and lowering my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: VA
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:
Experian explain to me why you are using stall tactics instead of abiding by the guidelines set forth by the FCRA? 

You know XXXX well its me, XXXX XXXX disputing the errors on my credit report and not a credit repair agency. How dare you call the CFPB a credit repair agency!? Thats audacious! 

Ive already sent in a copy of my ID and proof of address therefore I will NOT be sending them again, so stop stalling. Furthermore this isnt a request for a new investigation, Im asking for proof of my prior investigation WHICH proof of ID isnt required as it was submitted with the initial dispute. 

So again, why are you continuing to report accounts that are in non-compliance with the FCRA?!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Account information incorrect

Complaint:
I contacted the company to request the documents be sent to me to validate this debt and have yet to be sent any information. Then I contacted the XXXX Experian and XXXX and reported the fraud. Experian told me that it does not meet the guidelines. This account is not mine ALSO this account is 60 month terms that would have ended XX/XX/2021 but still reporting late payments. The balance continues to fluctuate going up and down. Last month XXXX they reported a {$310.00} payment due. This account is incorrect unfair and becoming a burden on my credit. Also the date opened, payment status, date last active, and date last reported are not the same. Under fcra guidelines I have the right to a fair and accurate credit file..Please remove this account from EXPERIAN AND XXXX 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 2020-08-24
Company: Experian Information Solutions Inc.
State: OH
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:
Its been over 60 days and no sign of investigation on false accounts! Unknown. All identity verification submitted. Account Information and Numbers invalid

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 2018-07-02
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage back in XX/XX/XXXX. To save our home we filed for bankruptcy. During the bankruptcy the trustee sent payments in however the bank posted them as principal payments instead of monthly payments causing us to go from 3 months behind to 10 months behind. I attempted to dismiss the bankruptcy back in XX/XX/XXXX but did not qualify. I then decided to apply for loss mitigation assistance from our lender so we could exit the bankruptcy and be on track with our payments. I have since applied once a month for the last 6 months. Each time we were either not told what was needed to complete our application or were told additional info was needed but was not provided enough time to submit prior to reaching our application closing date. We are now facing foreclosure proceedings to start XX/XX/XXXX. I have made every attempt and provided every piece of documentation needed by our lender and they still closed all 5 of our applications as incomplete. I could never get a straight answer and or could never reach out point of contact to discuss the issues.

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 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: National Check Bureau, Inc.
State: MI
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:
National Check burea been adding interest on a credit card debt since 2001 I never had a credit card with national Check burea they cant proof I owe any money to any one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Lowe 's credit card and was denied because of " High Risk Source of Applicant '' I called several times for an explanation and got no answers. 
My credit score is in the 800 's. I have little debt and a high income. 
I checked with the 3 credit reporting agencies and there were NO soft or hard inquiries from Synchrony or Lowe 's. 
I don't know why I was denied but it seems arbitrary since my credit was not checked at any time.

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 2018-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
I sent a letter to the Portfolio Recovery Associates on XX/XX/2018 requesting that they validate, NOT verify, a debt that they are reporting on my credit file. I, then wrote XXXX   and XXXX on XX/XX/2018 to inform them that the company never responded to my request. XXXX  responded by deleting the invalidated reporting. XXXX has " verified '' the reporting as accurate by matching the reported social security number to mine. This is not proper validation. Portfolio Recovery Associates did not respond to my request for validation in a timely manner as according to the law. Not only did they fail to provide any documentation or evidence bearing my signature, they failed to reply to my request to have the item delete as they are legally required to do. On XX/XX/2018 PRA sent a billing statement in reply to my request for validation which does not prove that I am obligated to pay or owe this debt. They sent the same documentation again on XX/XX/2018 and stated that they have " completed their investigation '' and will " not be conducting another investigation '' because my " dispute alleges no new facts and includes no new information in which to form the basis for a new investigation. '' They have reported delinquent and invalidated information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home retention servicing ongoing on servicing my mortgage. Should have stopped in XXXX. Nothing has been done

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 2018-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company is reporting wrong credit history of a closed 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 2021-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have continuously tried to resolve this with experian credit services they choose to keep reporting after XXXX  days reporting incorrect information this XXXX  account has never been paid late. All the other credit bureaus are reporting this correctly paid on time.

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 2021-03-31
Company: Experian Information Solutions Inc.
State: WI
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:
I sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house to provide for me and my family.

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 2018-07-02
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
At the beginning of XX/XX/2018, my daughter consolidated/refinanced all of her student loans including my PPLUS loans through a private loan company ( XXXX XXXX/XXXX  ). XXXX XXXX sent out payoffs to all of my daughter 's student loans on or about XX/XX/2018. However, my PPLUS loans still had not been paid off. These were all through Navient. After waiting a couple of weeks to see if the payoff would come through on my PPLUS loans, as of XX/XX/2018 my balance remained on the PPLUS loans. My daughter contacted her XXXX XXXX to find out that indeed, the payment of roughly {$18000.00} did get sent to Navient at about the same time. Therefore, I contacted Navient who informed me that the private loan servicer had sent the payment to the wrong address ( interesting that these are all federal loans, and my daughter 's went to the right address but not my PPLUS? ). I have heard other complaints that they give the incorrect mailing address on some of their payoff forms. After speaking with Navient, the CSR informed me that the easiest way was for XXXX XXXX to stop payment on the original payoff check and resubmit a check to the correct address. The CSR further went on to assure me that since this was through no fault of my own, he would make notation on my account that when they received the check, they would backdate the payoff amount to XX/XX/2018 so that there would be no accrued interest that I would be responsible for, essentially a zero balance. On XX/XX/2018 payment posted, but the issue of the accrued interest has not been addressed. As of this writing, the interest amount is {$150.00} and increasing XXXX to XXXX cents each day. I sent a letter via US Mail to Navient explaining all the above on XX/XX/2018. Having heard no response and watching that interest keep climbing each day, I sent a second request via fax XX/XX/2018 and still have yet to receive a reply. We are respectfully asking for XXXX to look into this. It is very frustrating and I have already spent far too much time trying to get this issue resolved. Basically, we want Navient to backdate this payment to the original payoff amount so it shows a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt and to my knowledge they have never provided me services nor goods. My rights were violated under section 809 of the FDCPA

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX There are also several inquiries as well that need to be deleted. 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 explanation
Consumer complaint received 2018-07-13
Company: LJ Ross Associates
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 status incorrect

Complaint:
The account in question has been past statute in the State of Michigan, and is still on my credit report illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation