BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: Credit Karma, LLC
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:
I logged onto credit karma to check my score and a random card from XXXX XXXX in Utah popped up on my account. I have never even been to Utah and I have no idea where or who this card belongs to. I filed a dispute but I am worried someone has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: EXPERT GLOBAL 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: Account information incorrect

Complaint:
I contacted SST and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and SST bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XXXX {$250.00} were paid to XXXX XXXX/SST but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: UT
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 have been disputing accounts with the bureaus and have received no updates. Not once did I get any letters or were there any updates made to my credit file. There are serious inaccurate items that need to be removed. I have attached the latest letters sent but there have been more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute about a charge off that should have come off of my report, both online and by mail and both were dismissed as Experian has refused to investigate the matter. They investigated 1 claim in XX/XX/XXXX and updated the account incorrectly when I tried to dispute again they refuse to allow me to dispute this account at all in any way. The account was set to come off my record XX/XX/XXXX but has not been removed. It was then updated to not come off until XX/XX/XXXX that was the only thing that was updated the last payment remained the same and the account should have been removed but the company is refusing to investigate any claim at all. This leaves a charge off that I am no longer liable for on my account. It has been removed from XXXX  and is currently under dispute with XXXX   to also be removed. I would like the same consideration as everyone else. Why in two years will the bureau not investigate a charge off that needs to be removed?

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 2018-06-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a communication from Chase stating as a new benefit they will reimburse cost of XXXX precheck registration. 
I live 170 miles from nearest registration site. Happened to be in XXXX XX/XX/XXXX. Which saved me a 340 mile round trip. When I received my statement with no credit was toldI should have read the fine print benefit doesn't start until XX/XX/XXXX!! 
Very misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Still missing XX/XX/XXXX XXXX interest paid statement. I have been requesting by phone since XX/XX/XXXXXXXX. XXXX/Northstar advises that is being sent but nothing is ever received. They have supplied a XXXX XXXX but we are still missing the final XX/XX/XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I am writing to state that Capital One 's credit card business is purposely trapping consumers with late fees. And they should be required to update their site and billing practices to correct this. 

History of events : 1. Bill was sent with payment due date of XX/XX/XXXX, to the amount of {$7000.00}. ( ok ) 2. Next bill was due XX/XX/XXXX for {$7000.00} + fees and interest totaling {$7100.00}. ( ok ) 3.  Their website site offered the following payment options and info : a ) Last statement balance ( and showed the amount ), b ) Current balance ( and showed the amount ), c ) Minimum payment ( and showed the amount ). 

When I paid {$7100.00} on XX/XX/XXXX, which was the stated total of the bill before the XX/XX/XXXX due data ( and {$0.00} over the amount due ), I expected to have paid in the amount in full, and have a zero balance due. 

However, according to Capital One the " Current balance '' is DIFFERENT FROM what they call the " Pay off balance '', which is the Current balance PLUS unstated additionally charged interest. Having addition interest due on the due date that is beyond the amount noted IN THE BILL is poor credit card business policy ( to the point of sounding questionable legally ). But, MORE importantly, not having this " Pay off balance '' amount clearly stated on the main account page of their website, nor on the payment page, is nothing short of a trap. 

Yes, I should have opened my next bill. But knowing that I paid it in full well ahead of the due date, and then removed that card from my wallet -- I didn't. 

To be clear, when I reached out to them, they did reimburse me for the late fee ... though NOT the late fees applied to the late fees on the unstated interest for the next 3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, i've tried to get this situation resolve alot of times. i was XXXX  2015 at the time of this collection i was not aware of this. i spoke to a rep and i stated that i was only paying it ( {$610.00} XXXX to get it remove from my credit ( Transworld system XXXX she told me that it will be removed. ive checked and its still there. i strongly believe that i should'nt be responsible for someone using my information. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Delta Skymiles American Express in XX/XX/XXXX. I was immediately approved for a {$10000.00} limit with a rewards bonus of XXXX miles if I spent {$3000.00} in the first three months. I was vacationing at the time so I spent {$3000.00} in the first month. I still had not received the bonus miles so I contacted American Express today. The representative told me that upon research I did not qualify for the bonus due to misuse of the rewards program and having too many Amex cards. I have one American Express dating back to XXXX. Amex states they sent me communication in regards to the decline of the rewards but I did not receive any communication from them regarding this matter. I could have put the $ 3000+ in purchases on another credit card that honored their rewards program instead of Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America is reporting two credit accounts on my credit file that are included in bankruptcy. They are reporting a balance history that is inaccurate, a payment record that is inaccurate and as I am not legally liable for these accounts, i respectfully request that Bank of America REMOVE the two credit accounts that are reporting on my credit file. 

The following is an excerpt from an FTC notice regarding the reporting of these types of accounts. Bank of America subsequently removed all reporting for included in bankruptcy accounts and was sued in a class action lawsuit for this exact purpose. 

" Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. '' Because Bank of America had not actually written off the account ( I had not been sent a XXXX and they were still actively pursuing the recovery ), i request the removal of these tradelines.

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 2019-09-14
Company: EQUIFAX, 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:
I have been trying to get my name, SSN, DOB fixed with  Equifax since XX/XX/XXXX since I found out they had my DOB linked w/ my older brothers name & SSN when I went to get pre-approved for a mortgage loan. EQUIFAX did nothing to correct it until now ( after I had sent all the required documents ). Worker, XXXX XXXX, from Equifax signed for these documents in XXXX, GA on XX/XX/XXXX at XXXX. Yet, instead of correcting the problem & establish a different file for me, they DELETED my youngers brothers SSN & entered MY SSN in his file. Now all of my younger brothers mortgage loan, credit cards/auto loans are shown under MY SSN, but with HIS name & DOB. And none of my credit card/auto loans show up in there. I dont know why they can not see it right. The documents I submitted ( DLs, passport ) do not show younger brothers DOB. This problem needs to be fixed as earliest as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with FRD MOTOR CR. 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 this company. I tried contacting both XXXX, XXXX, XXXX   and FRD MOTOR CR with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
ChexSystems report shows Certegy reporting a returned check, payee XXXX XXXX XXXX  written XX/XX/XXXX.  Check has been PAID IN FULL and should be removed from reporting.

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 2019-09-14
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX The PayPal account for the email above was given {$25.00} from my account. The email had been changed on my account and the charge was made. there was an additional charge for a service fee of {$2.00}, making the total that was taken out of my account {$27.00}. 
I requested the money back from the individual, but I don't believe they will give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
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: Account information incorrect

Complaint:
Why did XXXX  XXXX after selling my debt to XXXX kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX credit.? 

Why? 
When? 
Who?

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 2018-04-28
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: Account status incorrect

Complaint:
someone used my information'identity theft

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 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent several debt validation letters and haven't received what was asked for also tried to dispute with credit bureaus. last letter sent XX/XX/XXXX disputed with bureaus XX/XX/XXXX, XX/XX/XXXX. I sent validation letters XX/XX/XXXX, XXXX. they havent furnished me with what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt that is not mine to the 3 collection bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, XXXX, is the Trustee for XXXX XXXX XXXX XXXX XXXX  Pass-Through Certificates Series XXXX and is in the process of evicting us from our home. This eviction is based upon an illegal foreclosure and sale that was carried out by Wells Fargo Home Mortgage ( ASC ). The fraud centers around Wells Fargo Home Mortgage leading us into default without our knowledge in order to qualify for a loan modification in XX/XX/XXXX. They told us to stop making payments in order to qualify for a loan modification. They had no intention of making a loan modification. Wells Fargo Home Mortgage was the agent for XXXX XXXX, XXXX, and it is not known whether they were simply following the instructions of XXXX XXXX, XXXX The complaint against XXXX XXXX, XXXX, is that they have been informed some time ago about the illegal foreclosure and sale of our home and they continue their efforts to evict us. The are aware of many acts by their agent, Wells Fargo Home Mortgage, of fraud and tactics they used in servicing our mortgage and countless others. What isn't known at this time is the involvement of XXXX XXXX, XXXX, in the acts that Wells Fargo Home Mortgage inflicted upon us and other homeowners. This includes the placement of our mortgage ( predatory loan? ) into a government guaranteed trust. It also isn't known if XXXX XXXX, XXXX was giving instructions to Wells Fargo Home Mortgage as their agent in the fraudulent acts that they committed. 

I am a XXXX year old XXXX veteran with an XXXX XXXX and the acts of Wells Fargo Home Mortgage and possibly XXXX XXXX, XXXX, caused me to lose my company, income, my company stock, my company retirement, and I was forced to file bankruptcy in XX/XX/XXXXto protect my home from foreclosure. I am simply looking for fairness in my losses and get my house back.

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 2021-07-19
Company: EQUIFAX, INC.
State: FL
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, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Upgrade has completely ignored my request to remove inquiries that should not be long on my credit and has lied in stating that I have on my second application with them after failing to find an alternative way to identify myself and simply seems to be collecting data of bars while negatively affecting their credit reports with no intention of ever loaning any money. I have reached out to shovel officers of the company on XXXX and was blocked by then. This level of customer service seems to be typical with online platforms That promise low interest rates and virtual guarantees to steal business from traditional banks with no intention of ever for filling the loan. This deceptive advertising negatively affects consumers and now I am in a position where my score is dropped and Im unable to obtain the loan.

Company response to consumer: Closed with explanation