BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase- XXXX card : XX/XX/XXXX : I was booking a flight on united and got an option to apply for instant credit card to receive {$250.00} instant credit. So my flight cost was {$1300.00} and it showed in the advertisement on the final booking page that I will pay {$250.00} less. Also it said, i will get first bags free and priority boarding along with 35,000 miles after qualifying purchases. So I applied as it showed instant decisioning. 
Well, when I applied, Chase displayed the message that application in the review. Ok, 24 hours later no communication. There was no way to check status or option to cancel the credit card application. I called and they told me that there is no way to get to application as I don't have credit card account yet. Well, now, I have to use another credit card to pay for my flight ticket. 
Why Chase did provide false info that instant decisioning will be given? I would not have applied if it was 1 week later I am getting card. 

Also, I can't get free checkin bag as my credit card was not sent for 1 week. This is false information on their site and United+Chase should tell the truth. They must say, your next flight ticket after you get the card. 

So bottom line, I will have to pay from my pocket for checked in bag where United-Chase told on the advertisement that I will get it free on my current ticket. Well it will be on the next one and not current one. 
If I had known, I would not have applied for the credit card. 
Chase need to pay for my checked bag and provide compensation for false advertisement and information. 
I have taken screen shot of the United-Chase advertisement. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan is attempting to improperly capitalize interest on my loans, has made conflicting information requests (with which I complied), and misrepresented the status of my income-driven recertification process and whether the interest would be capitalized on my loans.  I submitted timely proper documentation for my income-driven repayment plan recertification. I submitted the documentation well before the date stated in the letter requesting it. In addition to my paycheck information, family size, recertification form, etc., the documentation included almost two months' worth of income (including XXXX XXXX) for my wife with a statement explaining she is paid on an irregular schedule when accepting delivery orders. She is a homemaker and watches our children, and only does the delivery orders from time to time. A month later, FedLoan requested additional documentation regarding my wife's income, including an average monthly income amount. I provided the requested information. On XXXX XXXX, as I hadn't heard any updates on the repayment plan processing, I called FedLoan and asked for an update.  FedLoan stated they were still processing. I asked whether FedLoan received my fax with the letter they requested and if they needed any more information. FedLoan confirmed they received my information and that I did not need to provide any more information. However, a few days later, on XXXX XXXX, I checked the online account, which showed an apparent interest capitalization dated XXXX. I called to demand the error be corrected. FedLoan then requested different information than they had previously requested. This time, FedLoan (confirming again they received the information I previously submitted) requested I include a certain phrase in a separate letter with only the income amount for my wife for XXXX XXXX. Again, I promptly provided the requested information (on XXXX XXXX). The FedLoan agent specifically represented that if I provided the requested information, the interest would NOT be capitalized on any of my loans.However, on XXXX XXXX, I received a letter from FedLoan showing the "Current Principal Balance" on each of my loans to include interest apparently from a purported capitalization.  On XXXX XXXX, I received a bill from FedLoan also showing false "Current Principal Balance" amounts for each of my loans.  The bill and letter show that FedLoan has still not corrected the interest capitalization error and resulting errors.  The balances shown for all of my loans (including principal and interest) are thus inaccurate.  This is a significant error which has caused damages. FedLoan's conduct constitutes unfair, deceptive, and abusive practices, among other violations.  I respectfully request that FedLoan immediately correct the interest capitalization error and all related resulting errors. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXX XXXX XXXX XXXX XXXX  collectively.  A debt collection agency known as The Bureaus is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The Bureaus, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX  and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The Bureaus in a position to own this debt, and for that matter, The Bureaus has clouded their scan even deeper by stating that the debt was acquired by Bureaus Investment Group No. 15, which is affiliated as a sister company of The Bureaus, see Abeyewardene v. Bureaus Investment Group Portfolio No 15, LLC (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The Bureaus came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX and eventually I settled with that agency, even though XXXX  could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The Bureaus never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX  against Bureaus Investment Group No. 15, and this must give the credit reporting agencies a huge red flag on The Bureaus licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Colony Brands, Inc.
State: UT
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 # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please help me to understand what made you close my case, Ditech has not corrected anything, in fact, it has gotten much worse. I sent by email responding to your closed case email, copies of the loan modification and 2 years of payment history showing no missed or late payments. I can send them again if you need. I respectfully request an investigation and recompense. If you are not able to help, kindly direct me to a Consumer Protection Agency that will look into this. Ditech continues to misappropriate my funds in unlawful ways. I have attempted to reason with them so many times, I have lost count. I am XXXX and this continues to be a tremendous hardship for me. Please, someone needs to look into this. Thank you for your time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
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 called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is 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 2018-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting a negative XXXX  XXXX credit card on my credit report and it does not belong to me the other two major credit agencies deleted account and handled everything properly but Experian can not seem to get it right! Experian removed the account a while ago once I sent in he details for removal and the police report and then suddenly I see it is back on my credit file again. I reached out to Experian right away and they refuse to remove it now and are continuing to ignore my requests to have this removed and have my credit file reflect accurate information. this is causing a great deal of harm to my credit score and upset within our family who will be homeless due to this credit scree and all the problems its causing,. I have let Experian know this and they have completely let me down and ignored me.

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 2021-06-03
Company: Keynote Consulting, Inc.
State: TN
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 had a notification via XXXX XXXX that I had 2 collections accounts. Company is Key Note Consultants in the amount of {$7000.00} and {$1400.00}. These are NOT my accounts or debts. Please assist with removing 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 2018-02-15
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the collection agency to validate the XXXX debt they have been trying to collect on. I received no response. Instead, I experienced more aggressive collection activity. I explained to them that this has been paid long ago and that they were reporting this same account several times. Since they refused to validate the bill I then disputed this account information as inaccurate with the bureaus. 

When I asked for validation of the debt I asked for very basic items. Absolutely no response. FCRA requires a debt be verified 30 days during which time the disputed debt is not supposed to be reported. 

The collection agency is ignoring my requests for validation, reported a disputed debt, and is re-aging and duplicating the same exact debt that was paid long ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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:
Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.

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 2019-01-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I purchased 4 tires at XXXX XXXX located at XXXX XXXX  XXXX XXXX, NC XXXX and used my Synchrony Bank Credit card to take advantage of XXXX XXXX zero / differed interest if balance is paid in full within 6 months. My balance {$600.00}. 

I made early and consistent payments : My first bill was not due until XX/XX/XXXX. 
My original purchase of {$600.00} on XX/XX/XXXX. I paid : {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
{$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
When I noticed my paper statement showed late charges. I called Synchrony Bank at XXXX on XX/XX/XXXX and the representative said I could not pay early but did refund back to me the late charges but they did notify the credit bureaus of late payments ( I have an 800 plus credit score ) and was never late but in fact early and they did not offer to correct or retract those comments to the credit reporting bureaus.

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 2020-08-26
Company: Collins & Hilton Asset Group, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was living in the country of XXXX from XXXX to XXXX in XXXX someone opened a personal loan from XXXX XXXX in the amount of XXXX dollars i have sent copies of paper work showing i was not living at a address the the loan was giving to they also said that a few payments where made from a account that i stopped using now the account went into collections from Collins Asset group/XXXX XXXX  If needed i can send a coy of my XXXX government ids and paper work from ssn and the VA hospital XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, XXXX  and Transunion refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX- this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this  account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: MS
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:
EQUIFAX and XXXX have repeatedly removed the XXXXXXXX XXXX  CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchase a XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I receive a loan from Santander  Consumer USA for XXXX with payments of XXXX monthly for 76 months. I was paying my payments on time but the balance will never decrease on my credit report. I have payed a total XXXX towards the loan, Every time I tray to trade the car or refinance the loan I was told that the total payoff was XXXX. I have called Santander Consumer USA several times to go over the contract because something did not seem right as to why my payoff was so high although the care was only worth XXXX. the only thing Santander will do is give me a one month deferment just to shut me up. finally I decided to give the car back on XXXX XXXX. I called the Santander and told them I no longer wanted the car and where should I take it. I was told that they will process the paper work send it to me in the mail to sign and they will come and pick up the car.  On XXXX XXXX I called and Santander consumer USA that I did not receive my paperwork and will they be coming for the car. I was transfer to different departments until I spoke to a Supervisor and was told that due to laws they are working on getting the car reprocessed . it took them 6 months before they finally came and got the car. I was told that they will take the car for auction and I will be sent a final bill. Unfortunately, I did not receive anything in the mail. I check my credit report. Santander USA has been reported negative payments towards my credit port to this day although they have the car in their possession. it is now reported that I still owe XXXX and the account is delinquent. it has not reflected any payments I've made for 4 years nor the amount that  the car was auctioned off for and the balance keeps increasing on my XXXX and my  XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EOS CCA is aggressively attempting to collect debt for XXXX XXXX for the collection balance that was resolved and paid to XXXX back in 2015. This account is not valid, null, and is in violation of FCRA and violation of statutes of limitations allowing collectors to report to CRAs. I contacted EOS CCA to inform that XXXX stated in wring this account was satisfied in full and they DON'T contract EOS as a collector for their company .... EOS CCA collected all my personal information and now aggressively attempting to collect on the debt NOT owed and on the debt they have NO LEGAL right to ... They changed open date on credit reports 3 times now this should also be violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX FROM XXXX XXXX XXXX, HAS BEEN CALLING OVER 2 TIMES PER DAY. TRYING TO COLLECT A DEBT THAT WAS PAID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I found out tonight that there is a blemish on my credit report for a debt in collections. I never heard of this collection agency, who claim I owe a debt to a cable company, XXXX. XXXX did quote me a cost, two years ago, then raised the cost without my knowledge, added “late fees”, and continued to be a problem over-charging me to amounts I never agreed to. I made many calls to attempt to get this corrected, to no avail.I discontinued the cable service over a year ago, as I recall.The cable co is deceitful, and so is this collection agency who nevet contacted me.

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