BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: GA
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 have Chase XXXX Rewards Club Select Credit Card since XX/XX/XXXX. Every XX/XX/XXXX Chase charges me for the annual fee of the credit card and a free night certificate is issued to my online XXXX account that can be used on any XXXX properties.

This year I was charged the annual fee in XX/XX/XXXX as usual and I paid off my bill on time. But the free night certificate is not yet to come to my account. My account is always in good standings. I waited until XX/XX/XXXX and then reached out to Chase via secure message on XX/XX/XXXX about this issue. Chase replied back that I needed to contact XXXX Rewards Club. 

On XX/XX/XXXX, I called XXXX for this issue. During the same call I was transferred back and forth between Chase and XXXX for 5 times and the last agent from Chase was very rude saying that I was not qualified for the free night reward this year and hung up the phone. I spent over 70 minutes for this call and the issue was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX chargeoff payment plan Amount owed not accurate car not worth it & eraneous errors & I Neva gave anybody permission sell my acct to 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-12
Company: Informative Research
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage back in XX/XX/2023. I qualified for a FHA but required 10 % down. So my lender encouraged me to wait for my scores to go up so I would only be required to put down 3 %. On XX/XX/XXXX I checked my credit and scores and they had indeed went up. At the time I only need XXXX XXXX to increase because that was my middle score and I would have qualified for the 3 % down. I also finally found a home I was ready to make an offer on. So I requested my lender to pull my credit again. Well, they use a company called informative research based out of California. On XX/XX/XXXX my lender send me a copy of the credit information from Informative Research stating my scores has dropped which was impossible. Informative Research reported to my lender that my XXXX score was XXXX. That score is incorrect. I called XXXX on XX/XX/2023 to get insight as to how this low score was reporting. XXXX Informed me via phone that XXXX was not any score I have in their system and they arent sure why Informative Research was reporting that to my lender. I am now at a stand still with purchasing a home and Im extremely upset. Considering there were no significant changes to my credit I was confused. XXXX had my credit file mixed up but that was already corrected but the score that was reporting still wasnt XXXX. A situation like this is not okay by any standard. I checked my credit scores on XX/XX/2023 and my XXXX Score was XXXX, Informative Research reported to my lender on XX/XX/2023 my score was XXXX, I checked my score XX/XX/2023 and it shows my score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never contacted by this company ( IQ Data ) via phone or mail. They had the wrong name and address but left a message with my mother. I returned the call as a willing payer. Both representatives I spoke with were rude, offensive, yelling, and abusive. 
I explained to them that this debt was in regard to a move out balance and because the apartment complex sold the business to another company I could not get my move out balance because they never returned my calls and when I contacted them via email I was told that the company had sold and that I would be contacted. 
When I spoke with the debt collection agency I explained this was not a broken lease or eviction and my arrangement is in writing and still stands. I also told them I never received any letters because they were sending the statements to the addressed the debt belonged to which I obviously no longer lived. I was told by them I had no reason for a dispute and I have to pay the balance in full today or it would be reported to my credit bureau. I tried to give my current address which has also been updated with the USPS, he refused to send me a statement of the charges. He said I did not update my info with the USPS and that was my problem. I was yelled at over and over by agents and as a collections professional myself I am appalled at how they conduct business XXXX ( second agent with IQ Data ) also refused to take my phone number and stated the only thing he would accept from me is a Visa, Mastercard, or Discover. The balance is now {$1700.00} and he refused to give me a breakdown of the charges. I have every intention on paying what I truly owe this company and only reached out to them because I have not received a notice or bill nor did was I made aware of my rights or options.

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.

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 2023-10-05
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XXXX I received an email that my loans were coming due at the beginning of XXXX. The notice stated I would be notified of my payment due dates and amounts. Since then I have logged into the user portal many times to check the status, documentation, statements list, and notifications. There is nothing showing how much I will need to pay monthly or what the due date will be. There is a dashboard notice that lets me know I have been placed on Administrative Forbearance for the first month of payments, with no indication of when the " first '' month is. I have called four times and been placed on hold for over 2 hours each time only to be disconnected. I have sent two emails and received an automated response both times stating they were sorry but they won't be able to get back to me. Both emails provided links to common questions, that were neither specific nor helpful. The website advises you to review loan repayment plans but only provides a range of possible repayment amounts. For example, it will say the repayment monthly cost will be {$510.00} - {$1200.00} depending on eligibility. There is nowhere to actually sign up for a payment plan and advises you to call the number. At this point, I'm not sure what to do and this service provider has a history of marking your account as delinquent ( which is reflected on your credit report ) without providing you the due dates or amounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a late payment on my report that shouldn't be there. Late payments only stay on reports for 2 years and it's been 2 years and 3 months. And it's still reporting as a late payment. For transUnion and equifax. The account is from XXXX XXXX XXXX. XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: INTERNATIONAL BANCSHARES CORPORATION
State: TX
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 belongs to someone else

Complaint:
I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with International Bank of Commerce was opened fraudulently under my name on or about XX/XX/2020 and closed XX/XX/2020. XXXX XXXX  XXXX opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an XXXX Checking account, and I don't understand why or how this happened. XXXX refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX  XXXX XXXX via USPS mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes XXXX different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, Texas as my correct address.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was asked by my sister to co-sign a student loan to help her through school to become an XXXX when her husband ( now divorced ) refused to help his wife at the time. My role as co-signatory began in XXXX or XXXX with a loan that originated with SallieMae that was eventually sold to NAVIENT in approximately XXXX. There was one loan account with 2 loan group numbers. For simplicity I will refer to them as LOAN 1 and LOAN 2, which I would only consistently receive the monthly loan statement for the lesser of the two loans LOAN 1. I didn't even realize there were two loans until XX/XX/XXXX when the " Annual Cosigner Private Education Loan Interest '' report showed up for LOAN 2. Unfortunately, all of this came to light when my sister not only recently defaulted on the 2nd portion of the loan, but had also been continually delaying/forbearing loan LOAN 2 that has resulted in capitalized interest that ballooned an original loan amount of {$18000.00} to a recent balance of {$63000.00} as of XX/XX/XXXX. I was aware of none of this, until I spoke with NAVIENT on XX/XX/XXXX to obtain the balance information. Representative examples of the documentation will be included with this complaint, but as a co-signer I was not given full disclosure of the loan with the higher balance, but only received the " Annual Cosigner Private Education Loan Interest '' until she stopped making the payments, then the late payment notifications began arriving, yet NEVER a statement of the loan. I was able to monitor the lesser loan LOAN 1 with timed monthly statements from NAVIENT. Had I received the same level of information on loan LOAN 2 I would have been able to intervene on the careless delinquency of my sister 's pending default, and definitely before the loan ballooned out of control. I am disappointed in NAVIENT 's inconsistency with statement reporting and failure to fully disclose the information of the loan out of control, until the primary account holder, i.e. my sister, defaulted on her payments. Furthermore, there was NEVER disclosure of the interest rate or variability of the interest rate in any of the correspondence on loan LOAN 2 from NAVIENT. We are looking into legal counsel about predatory lending practice, but the concern here is lack of disclosure of all information consistently and effectively to me as the co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is in follow up with Dispute # XXXX which Equifax has already responded to. I have disputed this claim in regards to State tax lien XXXX. I attached a letter from Lexis Nexis dated XX/XX/XXXX Confirmation number XXXX Customer number XXXX ( which I have attached ) that have stated that XXXX XXXX has removed this item from their database and I have also spoken with XXXX Consumer advocacy dept located in XXXX. She couldn't supply her last name. On Risk view report on FCRA, She stated that there were liens or judgment. On public records report she stated that State tax lien XXXX. Equifax sent me a dispute letter dated XX/XX/XXXX that they confirmed the Tax lien through XXXX XXXX and that it was reporting accurately. I believe Equifax did not investigate this with XXXX XXXX because I have a letter stating that this tax lien has been removed and have verified three different times with XXXX XXXX that there are no tax liens on my account. Equifax is not doing their job and did not investigate my complaint. Please provide relief because I have verified in writing and with a phone call that this disputed item has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Harris & Harris, Ltd.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting several calls and texts all hours long for a debt from Harris and Harris that isn't even my debt. They are trying to collect a debt from someone named XXXX XXXX I have called them back numerous times to tell them to stop calling me, as I am not XXXX. They either get an attitude and hang up on me or they apologize and claim they will remove me from their list. After asking them many many times to take me off their list and stop calling me, and they agree to do so, I still keep getting endless calls and texts. I have even texted them back to stop reaching out, as I am not XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2017-10-21
Company: UNITED GUARANTY CORPORATION
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This complaint is in reference to the calls and letters I have received for student debt accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United Guaranty has called and sent a letter stating that I have not paid the monthly bill for XXXX, XXXX, XXXX XXXX. This is not accurate as I have paid these bills each month. Please note that I have written several letters at this point over the course of several months asking for my account to be updated as I have missed NO payments dating back to XXXX XXXX when I found out my loans were sold to United Guaranty.

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 2023-04-05
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have been a business American Express XXXX XXXX for 17 yrs ( never a missed business payment ever ). They extended a business line of credit thru a failed division called kabbage. All payment have been made on time ( I requested 3 weeks ago for a 3 week ext. and then payment in full prior to a 30 day mark ) They agreed and then in the process of taking payment they shut down the platinum business card that we have had for 17 yrs ( we have dozens and dozens of vendors that have auto pay going thru that account-this has created a real mess. 

Items they should be held accountable for : Deceptive business practices Making false marketing statements Fraud Sweeping payments without authorization Failure o follow he XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My American Express Everyday card was stolen and I contacted American Express immediately at the time I realized my credit card was missing. I spoke to the representative on the phone and clarified that the charges in question were fraudulent charges and stated that all of the charges in question were NOT authorized by me, the cardholder. I had received a text message regarding a fraudulent charge and being in the middle of a business call incorrectly typed in the number to determine that an attempted charge was indeed fraudulent. I am the only one authorized to use my credit card, I did not authorize the {$480.00} charge, and nobody else is authorized to use my credit card. The charge in question was for a total of at least {$480.00} on XX/XX/XXXX. It has been over a month and saw that American Express reversed the credit for the fraudulent charges in question. 
Screenshots documenting the time frame of when I responded to the alert text message, and tried to correct my initial response ( selecting option 2 ) after realizing the message will be included.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: LendingPoint Holdings LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I scheduled a payment for my loan to be made on XX/XX/22. Lending Point changed the payment date ( I have several confirmation emails to illustrate that I scheduled my payment for XX/XX/22 ). They posted the payment on XX/XX/22 a day early, which withdrew from my back account a day early. Which over drew my bank account that resulted in {$120.00} in overdraft fees. 

When I approached Lending Point for an email that outline the error on their end, they asked me to provide private banking information to prove the error even though I presented the screen shots and emails showing that they took my payment a day early. When I asked to escalate my concerns they refused. All I wanted was a note from them admitting the system error so I could have my bank remove the fees. 

A company should not be able to make a payment from my bank account without my consent. they did NOT have consent from me to withdraw a payment on XX/XX/22, which is what they did. I believe this to be a system error that other clients are likely impacted by.

Company response to consumer: Closed with explanation