BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I signed up for a {$2000.00} limit for XXXX rewards Chase credit card. I had a medical emergency that rendered me unable to use my items or belongings for about XXXX months. During that time my accounts had underwent some malicious form of attacks to both my personal Chase credit card account and my linked one at the time, My XXXX XXXX banking XXXX XXXX  XXXX account, now there were wire attempts and im talking XXXX text messages from XXXX and XXXX XXXX XXXX on payments and returns from one another. I only happened to notice it when i turned on my phone and it exploded with messages that my account had been compromised as it looked .... I called XXXX XXXX  XXXX and they confirmed that my account had been comrpomised and advised me to cancel my account and to make a new one, i made one under MY WAY banking. Chase did not take my considerations seriously. tthey brushed me off multiple times. Cancelled my card, made my balance go from 2000 to over {$4100.00}! 
I can not take any more of this stress as their support people are very unprofessional and rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-11-04
Company: BARCLAYS BANK DELAWARE
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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-11-13
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I applied a XXXX XXXX XXXX on American Express which said there's a {$220.00} welcome offer through my friend 's refer link. And I know it is XXXX according to the public offer. So I apply the card through the link. When I finish the application there's a notification pops up said that the offer may not applied to me but further credit checking is needed. I assumed that maybe the banker need to check my credit history and change the amount of the offer which I'm also OK with it. So I click the " accept '' and wait the checking. However, when I received the card they told me there's no welcome offer eligible on my application because multiple factors like credit history, number of accounts open and closed recently or if I had the same card before. However I have never missed any payment on all my accounts which gives me a good credit score. I have never had this card before. And this is my 2nd or 3rd card at most in 12 months and 5th in 24 months. They even can't explain to me about what is the reason. However they said the offer needs more checking in the following process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 explanation
Consumer complaint received 2019-01-16
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called three times and was on hold for ~20 minutes each. The first time I did not have the information available to complete the update, the next time the line dropped when the agent was about to finally help, and the 3rd time the agent hung up shortly after answering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
application for refinance, never ending. from loan estimate to several closing dates. they now have a new appraisal and took 3 weeks to pass the estimate to me. repairs are to be made [ outside ] now need a va wavier until spring. no response to email asking what to be done now. they simply don't reply and have cut off my phone. you can't call the main #. it appears they are unwilling to proceed with the loan. [ original application XX/XX/19 ]. have changed stories constantly. if they don't want the loan just say so, tell me why. it appears they are trying to run the clock out [ after they took another {$500.00} for an appraisal. 120 day mark not far away. no movement on their part and just make it up as they go. EXAMPLE : the va says appraisal can have 3 to 5 days after completion to notify me of finding. they took 3 weeks. hope this gives you an idea

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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: 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 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I fervently dispute the amount you ( Macys ) says I owe ( {$4100.00} ). For the past three years, Macys has been charging me for a ring I NEVER PURCHASED! This is so ridiculous! I am XXXX  and thus is unable to understand my statements well. I only see the balance, so I've continued making the payments not realizing until lately that my balance has not been going down but getting higher. I have been doing that faithfully for the past three years. Recently I realized that despite my years of payments, my balance has not gone down. After having a friend look my paperwork over for me, I eventually discovered that Macys charged me for a ring I never purchased. This is highly unacceptable. Therefore, at this time or anytime I dispute this balance of {$4100.00} on my account and demands that you immediately take this off my credit and account as well as send me proof/documentation with evidence that it was indeed me who purchased the ring from you three years ago. I am so disappointed I have never experienced this in my life, and I am a faithful payer, and to add insult to injury I have spent upwards of 10s of thousands of dollars with you over the years. 

I have been made fully aware of my legal rights and your obligations and potential liabilities under law and expressing my intention to pursue any and all available legal remedies against Macys should this letter fail to generate an appropriate response.

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 2019-01-15
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I opened a consolidation student loan through XXXX XXXX XXXX. The consolidation loan made a disbursement to a traditional student loan also held by XXXX XXXX XXXX on XX/XX/XXXX. Said disbursement resulted in an overpayment and, as such, the traditional student loan has remained open. 

After discovering the overpayment, on XX/XX/XXXX I called the consolidation loan servicer, XXXX XXXX XXXX, XXXX ( XXXX ), and requested that the overpayment be applied to the new, consolidation student loan. I was told by the customer service representative that this would take 3-4 business days to complete and that, thereafter, the traditional loan would be closed. 

On XX/XX/XXXX, I checked my account via XXXX 's website and noticed that rather than the overpayment being applied to the consolidation student loan, the original payoff from XX/XX/XXXX had been reversed, leaving the traditional student loan with a balance. My consolidation loan in turn had a larger balance, confirming that the payment had indeed been reversed. 

Since then, I have called three times per week, and each customer service representative has told me that they have emailed your e-check department and have not had the courtesy of any reply. This is unacceptable. As of XX/XX/XXXX, I have received a bill with a due date of XX/XX/XXXX for the traditional student loan. It has a balance and it has accrued interest and the account is now open and accruing daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. XXXX should be receiving the same instructions to delete. However they just keep reporting it.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CarMax, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
Greetings to all and I pray that all is well during these trying times. I've had an issue with multiple accounts appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/XXXX for {$270.00}, XX/XX/XXXX for {$2500.00}, XX/XX/XXXX for {$6600.00}, XX/XX/XXXX for {$2400.00}, Collections XX/XX/XXXX for {$67.00}. I reached out to XXXX, XXXX, and Transunion in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to XXXX, XXXX, and Transunion explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing these accounts from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The reason for the communication refers to the following concerns : 1. Unreported or inaccurate information on my consumer credit reports : When reviewing my TransUnion report, I noticed that the credit limit of {$19000.00} is not reported, as reflected on the XXXX credit report. It appears that TransUnion only captured payment history for the last 24 months. 

When reviewing the XXXX credit report, I noticed that payment history for the last XXXX  months is not displayed ; only the month of XXXX is visible. 
When checking my XXXX credit report, my XXXX XXXX account ( including credit limit and XXXX payment history ) is not reported. 
I request that you report my XXXX payment history and {$19000.00} credit limit to all credit agencies to ensure accurate financial information on my credit reports with the major agencies : XXXX, TransUnion, XXXX, and others as applicable. 

2. I would like to know my membership number because I can not locate it when accessing my account. 
Additionally, I would like to understand the process and implications of canceling my membership in the future. Since contacting you directly has proven difficult, I am seeking this information through this channel. Needless to say, their customer service could be improved. 
3. I am supposed to have a VIP membership with a limit of {$30000.00} instead of a credit limit of {$19000.00}, indicated in the membership terms at the time of subscription 4. When I initially signed up for this membership, the agreed upon amount was {$570.00}. However, it has now increased to {$620.00}. I would appreciate an explanation of this setting. 
I am willing to provide any additional information requested and wish to express my gratitude for the time and effort you invested in resolving this matter.

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 2021-11-15
Company: Aspen National Financial, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ASPEN NATIONAL COLLECTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Loans provided to me by Amplify, funded on XX/XX/18 and XX/XX/18 in the amounts of {$1000.00} and {$2000.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX XXXX XXXX  is not licensed to make loans in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received My paid off statement in the amount of over one million That does not even include the forbearance amount of {$60000.00} I am requesting the pay-off amount be lowered to the original amount of the note that I signed in XX/XX/XXXX. As you are fully aware this was one of those negative amortization loans that will never be paid off. I have paid my monthly mortgage like clockwork regardless of my hardship during the recession for over 10 years. I have my payment history to supply verification of this fact. My loan was paid on time when I was with XXXX XXXX, regardless of the federal and state lending violations by XXXX XXXX, including unfair business practices and time wasted on bad faith loan modification offers that never materialized. As a result, I filed a lawsuit against XXXX in XXXX of XXXX.Unfortunately, I had to name Select Portfolio Services in the lawsuit. I am providing you with a copy of that lawsuit that was settled with your attorney XXXX prior to going to trial. I am providing you with a copy of all the documentation for your review that clearly authenticates all of the unfair business practices, misrepresentations, refusing to accept payments without any reasonable explanation, fraudulent concealment, violation of the Fair Credit Reporting Act and negligence by XXXX XXXX for the past 10 to 12 years. I have all my copies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation