BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
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 already discharged in bankruptcy and is no longer owed

Complaint:
My debt to Citi Cards CBNA in the amounts of {$5700.00} and {$3900.00} were discharged in Chapter XXXX Bankruptcy Court on XX/XX/2018 case # XXXX. I have tried unsuccessfully to have this matter corrected by reaching out to Citi Cards with supporting documents that I will also attach to this complaint. Citi Card did not contest this discharge so this should not show as charged off or owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi there, I opened both checking account and saving account with Chase on XX/XX/XXXX with coupon code XXXX XXXX XXXX XXXX. At the time of opening account, I didn't have any checking/saving account with Chase. 

I reached out to Chase last week inquiring about the account bonus and was told that they couldn't apply the coupon because I received a checking account bonus within the past 24 months. 

Note that I never received any saving account bonus in the past, and according to the Chase representative- since coupon code couldn't be applied, I won't be receiving saving account bonus either. 

This seems highly fraudulent marketing practice and I believe has violated the T & C for the promotion. Please kindly advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: CO
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:
My rental company ( XXXX XXXX ) is saying that I paid rent late on XX/XX/XXXX. I was moving out that month and had a prorated amount of {$530.00} due in XXXX. On XX/XX/XXXX, the day rent was due, I went online to the portal and paid. I found a couple days later that I had a demand for rent letter on my door and a late fee for {$120.00}. 

I contacted the property on Saturday and talked to an employee named XXXX. I told him that I had indeed paid my rent on time, as you can see every other payment was on time, but that the portal must have been down/broken. He did acknowledge that the portal had been down that day and said that other residents had called in about that problem as well. He said I did not have to pay the late fee and to reach out to the property manager as well I then followed up with XXXX XXXX, who was the Assistant property manager at the time, and she confirmed that I did pay on time and the notice was just in case I didn't move on our agreed date, XX/XX/XXXX. 

I should not have a Late fee for XX/XX/XXXX rent. I did pay my rent on XX/XX/XXXX, and the property acknowledged the fault had been on their end and that I would not owe any additional money.

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 2018-10-21
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:
XXXX Equifax and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and Equifax updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXXXXXX XXXX   CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX   Equifax and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX Equifax and XXXX has NOT sent requested information provided to their companies by XXXX XXXX that they use to continue verifying my CR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
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:
XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX XXXX and Transunion continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX XXXX and Transunion has NOT sent requested information provided to their companies by XXXXXXXX XXXX that they use to continue verifying my CR.

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 2021-08-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, JP Chase bank sent me a mail notifying that they would close all my credit card and checking accounts on XX/XX/XXXX. Until XX/XX/XXXX I did not believe that was happening. I have had checking and credit card with Chase over 10 years. In XX/XX/XXXX I even refinanced my mortgage with them. I have never failed to make payments either to my credit card or mortgage ( even when I was out of work in XXXX ). This came as a shock to me, as I have always been diligent with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Today I called  Capital One  to open an account for a new credit card. I have a credit freeze on my account So I called to find out what credit services they use to get a PIN to provide them with so they could pull the reports. I was told that the only way I could proceed was to release the freeze on all  XXXX  credit bureaus for a period of at least 10 days. I told them that I had a freeze on my account for a reason and did not want to open the account to everyone and for a period of more than 10 days. The response that that was fine, this is what our policy is and I could go elsewhere. I asked for a copy of the policy they said no, it was an internal policy and they were not required to provide it to me. I asked why if the credit bureau had a way for me to open the files with a PIN that I would then provide to them so that no one else could have access to my file. Why they were unwilling to accept this. Again I got that not how we do things here at Capitol One. We do n't care if your bureau files are exposed to anyone and for how long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Account status incorrect

Complaint:
Unauthorized inquiries data from a dates from XXXX XXXX XX/XX/20.

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 2018-06-29
Company: EQUIFAX, INC.
State: IN
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:
In XX/XX/XXXX Equifax reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXXbut it finally was deleted. In XX/XX/XXXX, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
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: Account information incorrect

Complaint:
There has been fraudulent assignments by XXXX, XXXX  XXXX, XXXX XXXX  ; XXXX XXXX XXXX and stolen against my property ( ies ) at XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Nevada XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I demand a FULL investigation and criminal prosecution against ALL parties involved in defrauding XXXX & XXXX XXXX for profit since XXXX current. Under ALL Federal mortgage & bankruptcy codes, Especially XXXX laws! 

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 2020-07-01
Company: United PanAm Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the vehicle previously purchased was an XXXX XXXX  XXXX that was identified as a lemon vehicle!! took the vehicle over to XXXX XXXX to repair the engine sensor code, that kept coming on on the XXXX, XXXX, and the XXXX of each month the vehicle would shut down for no reason? until, later it was discovered that gps locator device was installed from an previous owner who had defaulted on vehicle before my purchase. i went back to auto dealer to explain why this information was not disclosed ; and i verbally abused and insulted too the point were the gentleman threaten to have me removed from the premises and i needed to take the vehicle over to XXXX XXXX XXXX which has since changed names from the original complaint submitted XXXX ago. this, blemish is still on my credit report negatively, which is a lie ; the vehicle was turnovered as granted by a federal judge from XXXX county ; which allowed me to walk away from vehicle with a loss for no credit would be given to either party as for the verdict which i agreed that the vehicle was also part of the massive recall on takeda airbags which also continue to trigger a faulty code warning for XXXX sensor and XXXX alert for bag indication on dash panel. the total value also was inflated by $ XXXX meaning the vehicle was only worth {$5000.00} according to XXXX  and this former company put on the credit report vehicle was repo when it was not!!! another white lie. and still put {$3700.00} on credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge these unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.

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 2022-01-05
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved from XXXX XXXX in XXXX XXXX, La in XXXX of 2021. I have Email and Written letter proof where I advised the leasing office I would not like to renew my lease on XX/XX/2021 and I would be moving. They proceeded to place a collection debt and eviction on my credit for {$930.00}. While living there the rent was only {$740.00} which I paid for the last month I was there. I tried to call and speak to the leasing office and property management in regards to the issue where I was met with push back and verbally offensive treatment. They were not willing to tell me why they felt this was my responsibility. I am looking to have these false claims removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/18 I contacted Transunion about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries 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 2020-08-22
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Continental Finance Company, LLC
State: KY
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:
Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX  data hack. Someone else was using my information. Identity theft.

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 2018-10-21
Company: Eagle Accounts Group, Inc.
State: CA
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: Public record information inaccurate

Complaint:
XXXX XXXX Child Support is charging me childsupport FOR NO REASON WHEN MY DAUGHTER IS LIVING WITH ME " NOT THE MOM " I spoke to childservices and they claim that even thoe my daughter XXXX XXXX is Living with me " XXXX XXXX '' that they cant stop or cancel that CS case. also i am a victom of identity theft. i found out someone has been using my SS # since i was a minor. i found this out when i got my first job at XXXX at XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: The CBE Group, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am an international student who lived in XXXX. I got sick around XXXXwhen I was visiting my XXXX so I went to the XXXX, XXXX historical there. From here, I receive a medical bill which I believe I paid. I previously had issue with the charge so I had attempted to call them also I remember I was promised a call back. I also contacted my student medical care XXXX at the money since I was a XXXX university student. I remember I later receive a check from the boatload regarding something about the bill but I dont remember what happened. Later I moved to XXXX for graduate school in XXXX. I hen moved back to XXXX due to COVID. I recently revive a message from my aunt saying that the CBE group sent me a mail for a debt they need to collect and I need to dispute it within 30days or else it is valid. I dont know what the bill is for and I do not live in the states so there is ll way for me to ask them about more information. Nor does the hospital has a email that I can ask regarding this issue. The paper said I would face judgement if I do not lay the bill. The bill is around 100 only and I have no issue paying this if this is what I forgot to pay or some miscommunication issue between me and the hospital, but I do not understand why all of a sudden 2years later I need to lay this bill. And what would happened if I did not pay it in time? Would that affect any of my credits?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection was disputed and also deleted on off of my credit file on XX/XX/2016 but keeps reappearing. I have never done business with Midwest Recovery. I do not have a signed contract nor any contract with Midwest Recovery. I am not liable for this collection from Midwest Recovery. Please validate this debt with Midwest Recovery and myself. An alleged bill from another company or alleged e-signature provided from another company is not proof of validation of a debt and is not suffice. Midwest Recovery failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation. This violation can result in a {$1000.00} fine. All communication is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION/ NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFTBREPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Consumer Portfolio Services, Inc.
State: AL
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:
I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I was in school for my XXXX to pursue for bachelor of XXXX degree, my student loan company ( navient ) put me into forebearance but I was accumulating interest of 11.6 % total interest on my two loans together. One loan unsubsized with 5.87 % and other loan subsidized with 5.87 %. 

When I called navient for public loan forgiveness, they told me I had to work 20 hours a week and make monthly payment. It was very misleading as to how to stay on track for public loan forgiveness while working in XXXX as a XXXX for the past four years ( XX/XX/XXXX-XX/XX/XXXX ). Then, I called them last year to ask about public loan forgiveness eligibility criteria, they told me I have to work 10 years of full time in non-profit organization ( XXXX ) and not being in school status, before I apply for public loan forgiveness on my student loans. I didn't know that before I called them. I kept track of every single payment since I started working at XXXX and XXXX XXXX. I felt I'm being deceived by navient and not fully understand of what I need to remain eligible for public loan forgiveness on my remaining student loan principle balance. I'm not satisfied with Navient at all. 

After graduating from XXXX school in XX/XX/XXXX, I currently have been paying anywhere from {$100.00} to {$1000.00} a month for student loan. I do not believe navient student loan company properly allocate my student loan payment online. I was paying more and more but my principal balance doesn't seem go down as it should. I have been mislead and so frustrated of being with Navient.

Company response to consumer: Closed with explanation