BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account at about XXXX MST on XX/XX/2019. There was a welcome bonus offer on their website for new customers offering {$200.00}. The bonus is being offered through XX/XX/2019. 

On the website there are 2 options presented. Open now and the coupon code is automatically applied or email me a coupon to take to a branch before XX/XX/2019. I clicked the open now button, completed my application and opened my Chase Total Checking account. 

I deposited {$30.00} into my account the same day and signed up for direct deposit. My first paycheck was deposited on XX/XX/2019. 

I never received a bonus. I called Chase Customer Service on XX/XX/2019 at XXXX. The representative didn't see a coupon applied to my account. He escalated my request to the research department. On XX/XX/2019 I received a call from XXXX XXXX. He left me a message and asked me to call him back at XXXX ext XXXX. 

I returned his call at XXXX MST on XX/XX/2019. He told me that the coupon team reviewed my online session and did not see a coupon applied to that session so he couldn't do anything. I asked what would cause it to not be automatically applied as stated on the website and he said " I don't know what you did during your online session but there was no coupon applied. '' I asked if I was ineligible for some reason or declined for the coupon. And he just kept repeating that there wasn't a coupon applied to my online session so he couldn't honor the bonus. I was never provided a coupon code when I applied online. The website says coupon code automatically applied and it wasn't for some random reason that no one can seem to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: MS
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:
Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.

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 2019-02-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was devestated by hurricane Michael in XX/XX/XXXX. In XX/XX/XXXX, I overnighted the insurance check in the amount of {$24000.00} to Ditech along with an overnight return envelope ( as instructed by Ditech ). After some confusion as to what the balance for the mortgage payoff was, it was determined to be between {$3000.00} and {$4000.00}. I was told it would take 14-16 business days to receive a check for the approximate {$20000.00} remaining after the mortgage was paid in full. This is the money to fix my home so that I have somewhere to live. I am XXXX and cant affort to continue my trustee payments and pay for additional housing. After numberous phone calls to Ditech that always end with no definitive answers, I did receive ( postmark XX/XX/XXXX ) my title to the mobile home which was dated XX/XX/XXXX. I have made at least 6 phone calls to Ditech since early XXXX when I received the title, all of which I asked to speak with a manager, and they have given several different reasons for the delay, including that accounts were frozen because of the company filing for chapter XXXX bankruptcy. No one returns calls or knows what any other department is doing. Yesterday I was told that the check was mailed to me on XX/XX/XXXX??? They didnt send it in the prepaid addresses overnight envelope that they requested so I cant track it. Now they would have to reissue the check and that would take 14 more business days. Why could they not tell me that it had been mailed when I called ... all the times I called? I think they are trying to buy more time and this has taken long enough! Ive read several other complaints about Ditech filed here with your agancy and it seems that further investigation is certainly warranted!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Credence Resource Management on numerous occasions during the month of XX/XX/XXXX regarding a collection account on my credit report. the amount is {$260.00} and the original creditor said XXXX XXXX XXXX XXXX. I also contacted the credit reporting agencies because I had no information on the debt. No one could provide me with detailed information. On my credit report it said XX/XX/XXXX. I have been with XXXX for many years so I was confused. I called XXXX XXXX XXXX and was told I had no account. After repeated calls and attempts to locate an account on their website I spoke to someone who was able to give me the information that the account was From XXXX, he also said that although I had a zero balance when the phone was transferred to another service there could have been charges after the fact (? ). I had no knowledge of this and was not able to locate information without numerous disputes to the credit agencies and spending hours chasing down information. Credence Resource management was not only rude and aggressive but they had no information as to the details of the debt. I have since found out it was incurred after I changed cell phone companies, moved and changed jobs. I offered to pay XXXX XXXX XXXX but they will not remove it from my credit report and the collection agency has the wrong date and is reporting it as a late payment as of this year ( it says on my credit files past due as of XX/XX/XXXX ). I need this debt removed from my credit file ASAP. none of the information was reported correctly and no one has been able to help me. PLEASE HELP ASAP. I am a single mother and I am trying to buy a house. I was told it wouldn't do any good to pay it because the collection agency will continue to report it late in XXXX and it will stay on my credit report as a collection file with the starting date of the debt as! XX/XX/XXXX. This is not fair and if I'm not mistaken is not legal. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have reached out to transunion, XXXX  and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.

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 2018-04-24
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: Their investigation did not fix an error on your report

Complaint:
I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The following accounts are not my responsibility..I never purchased anything nor was I notified about this error.. The accounts just appeared on my credit report..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first.Either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In trying to make payments via the Target XXXX app, I got repeated error messages and would have to try numerous times before the payment would go through, making my payment 'late ' I contacted customer service and was told nothing was wrong with the app. This is the only account showing late on my credit report and I tried disputing these late payments which did not happen so I wound up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 

Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now!

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 2020-11-24
Company: AES/PHEAA
State: MD
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 was a XX/XX/XXXX who was working towards PSLF from XX/XX/XXXX to XX/XX/XXXX. I left that job to take a job with the XXXX, as a federal employee in XX/XX/XXXX. 

FedLoan will not count my payment in XX/XX/XXXX ( despite being employed, on an income based repayment, and making that payment ) because on my payment due date, I had ended the XX/XX/XXXXjob and had not yet started my job XX/XX/XXXX 

I then asked if I had changed my due date to later in the month, if that payment would have counted. I was told it would have. But because I technically wasn't employed during the date of payment, the payment didn't count : even though for all but a few days in XXXX, I was employed and made a payment on an income based repayment plan. 

This was never explained to me prior. I was told there was no way to retroactively fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Incorrect amount and interests charged when nothing in the original contract or lease agreement indicates interest can or will be charged. In accordance with the Fair Debt Collections Practice Act, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: SC
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'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX   XXXX, XXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: SC
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'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX   XXXX, XXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw this debt collection was on my credit report. I called the collection company they have no knowledge of this debt. They tried to find me in there system using Name, DOB, address, the company that the debt was with, and SSN nothing showed up. So I was told I didn't have a collection debt with them and to dispute it with the credit company XXXX. I disputed it and it still on my credit!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: EQUIFAX, INC.
State: MI
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:
On my credit reports ( XXXX ) XXXX XXXX XXXX., reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my credit card in full in XXXX and was told it would be closed. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. This card should have just been listed as paid and closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Westlake Services, LLC
State: MO
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:
Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation