BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
US Department of Education is incorrectly adding information to my credit reports. It states on my credit reports that my accounts are discharged when in fact theyre not. I sent them letters to the two addresses that were provided on the document they sent me letting them know of the paid in full letter. The letters were send back to me from the post office stating undeliverable on both addresses. This is fraudulent and these accounts needs to be deleted immediately.

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 2019-08-19
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus are reporting erroneous information on my credit file.

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 2020-10-26
Company: Experian Information Solutions 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 status incorrect

Complaint:
US Department of Education is incorrectly adding information to my credit reports. It states on my credit reports that my accounts are discharged when in fact theyre not. I sent them letters to the two addresses that were provided on the document they sent me letting them know of the paid in full letter. The letters were send back to me from the post office stating undeliverable on both addresses. This is fraudulent and these accounts needs to be deleted immediately.

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 2021-04-26
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a XXXX XXXX XXXX  car from XXXX car dealer in XXXX, name is XXXX XXXX XXXX. 
My loan term is 7 and 1/2 year that is 90 months, I paid {$1000.00} down. 
My installment is {$360.00}, which I find it very high interest rate. 
I feel I have been paying very high interest rate, because I am XXXX. ( like XXXX XXXX XXXX XXXX ). they have  discriminated against me. 
Can you please help? 
date of purchase XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan through Chase for a XXXX XXXX XXXX XXXX. The car was purchased on XX/XX/XXXX. The amount due monthly is {$740.00}. Each month since the beginning of he loan I have been paying {$770.00}. Unfortunately for me, I just noticed on the statement they were applying the extra {$25.00} to interest. It says right on the bill overpymts will be applied toward principal. When I called on XX/XX/XXXX and spoke to XXXX she explained to me that Chase has no way of applying overpayments to principal when you don't use Chase bank to make the payment and they would reverse it. She also told me my XX/XX/XXXX payment was only {$650.00} but that doesn't coincide with my bank statement. I called back today XX/XX/XXXX ( because only 4 of the payments were reversed ) and spoke to XXXX and asked for a supervisor. I was transferred to XXXX ( still not a supervisor ) then I got XXXX. XXXX explained to me they have no way of reversing payments over 6 months and they fixed it by applying extra to the principal. What doesn't add up is if they fixed all the payments, why is my principal as of today the same as it was on the XX/XX/XXXX statement? 
I would like 100 % of my overpayments refunded with interest and definitely want others to be aware of the deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: JPMORGAN CHASE & CO.
State: OK
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:
Company offered XXXX bonus points for new consumer cards and XXXX bonus points for new business cards. I applied and was approved for a new business card ; however, I only received the XXXX bonus associated with the consumer card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.

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 2018-07-14
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting accounts they are not mine and I have submitted the proper paperwork to have these accounts removed from my credit report months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a US Bank Visa Debit Card from a company called Relicard. The problem is I didn't order this card nor do I want. I have been waiting for over 2 hours to speak to a representative and have had to call back twice because I keep getting disconnected. They keep asking for my social security and date of birth which I won't provide. This is from US Bank and it makes me wonder if the company is accepting and/or processing fraudulent claims using my information. I was just told that there are 389 people in front of me and my hold time is now 2.75 hours. This company needs to be fined and/or shut down. I now have to waste an entire afternoon from work to deal with this issue.

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 2021-02-26
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft, as I have already notified Experian of this information thru my membership with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo continues to put false information on my Credit Report about a payment being late in XX/XX/XXXX. I have sent multiple messages to them and also disputed with all 3 credit bureaus and nothing has been done. They never made an attempt to call me about any late payments, my account is current and I have never been late with anything in my life. This has affected my credit score by at least 40 points, which in return does not help with interest rates. I would like some help trying to get this big bank to stop bullying me by not removing false information from my credit report. 

Thank you

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 2020-07-22
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: DC
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:
On XXXX XXXX, XXXX XXXX tried to refund me for flights that they had cancelled and sent funds to a Chase credit card that I had closed in Spring 2020.

Chase returned the funds to XXXX XXXX because they had purged my credit card records from their system. Chase instructed me to work with XXXX XXXX directly to obtain the funds. 

XXXX XXXX told me that they can only refund my original form of paymentthe closed Chase credit cardbecause it would be " illegal '' for them to issue payment in another form. 

After several correspondences, Chase continues to refuse to help me get the funds from XXXX XXXX, even though XXXX XXXX said they would resend the money if Chase asked for it. 

Thus, I feel that I have no way of getting the {$1200.00} that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
not my debt

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 2020-09-04
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a final bill notice from XXXX XXXX in XXXX and XX/XX/XXXX. 

When I spoke to a representative at XXXX XXXX I was told this bill originated from a request to turn on gas in an apartment in Rhode Island beginning in XX/XX/XXXX. 

I lived ( and still live ) in XXXX, MA and did not open a XX/XX/XXXX account in the XXXX, Rhode Island address. 

I never authorized anyone to open a XXXX XXXX account in my name for the XXXX, RI address. 

I contacted the company twice by phone call in XXXX and XX/XX/XXXX to report this but I never received help for this issue. 

I contacted the company twice by mail to fight this account being charged in my name as well during XX/XX/XXXX. 

As of now, the account is in collection for {$110.00}.

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: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian credit report Disputed Item : JPMCB Card Account XXXX Date opened : XX/XX/2013 Old info : ( Name was incorrect ) + Balance reported {$13000.00}!

After disputing - New info : Account charged off {$1300.00} ( Corrected spelling of my Name ) This creditor was reporting a balance of {$13000.00} since 2013! They recently updated the amount owed and this factor has been hurting my credit for the past 7 years and this has negatively effected my finances and financial ability to provide for my family. 

Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: DC
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:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
InXX/XX/XXXX, we traded in a vehicle that had been financed with NC SECU. Despite that, they reported our loan as delinquent from XXXXXX/XX/XXXX, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked SECU to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I issued a XXXX payment from my account to XXXX XXXX for the amount of XXXX, who banks with XXXX  XXXX XXXX. 

On XX/XX/2020, XXXX erroneously authorized another payment for XXXX to XXXX XXXX for a home inspection he can only perform once. 

I submitted a claim with Chase Bank to return the funds, which they denied. XXXX, not wanting to have the money taken a second time refused to return the money directly, and then filed a claim through XXXX  XXXX XXXX. Claim number XXXX. 

XXXX XXXXXXXX XXXX has stated numerous times the funds have been returned but Chase has not received them. I have been without money that rightfully belongs to me since XX/XX/2020. Both XXXX  XXXX XXXX and Chase are refusing to do the work to return the money and have essentially presented us with a " too bad so sad '' answer. 

There is no disagreement that the money never belonged to the person it was transferred to, but somehow we are still without our XXXX nearly two months later in the middle of a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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 applied for a credit in my name from Capital One XXXX. I called immediately to report this as fraud and FYI credit bureaus have it documented that my fraudelent for my credit report. I have called more than 3 dozens times for Capital One and XXXX to have this corrected and they will not done this. I have sent the documentation that they were wanting not once, not twice but 3 times and this situation still in not corrected. I have filed disputes with XXXX and they open it open and closed with this no explanation on why. I have talk to supervisors to get this corrected and nothing. I had this happen 2 times on XXXX and XXXX just in the last 2 weeks XXXX   remove the Hard Inquiry for XXXX but not for XXXX. I have been working on this almost a year nothing. I have contacted my attorney. My husband and I are trying to refinance on our house and have been working on this since XXXX of last year and cant get a loan because of this 2 hard inquiries.

Company response to consumer: Closed with non-monetary relief