BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
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 XXXX XXXX Visa customer representative supervisor XXXX from XXXX XXXX, Texas, said on XXXX XXXX, 2017 that the original XXXX bonus offer for spending $ XXXX in 3-months I was promised when applying for the card was a " misprint '' and that the URL on the original offer went to the " wrong '' webpage. <P/>When I called to inquire about this situation, a customer service representative said the company receives " a lot of calls '' about this type of problem and that " no one at the company can help me. '' He kept me on the line for an extra 30 mins. after I asked that the call be escalated to a supervisor who could help me. When I was finally transferred to supervisor XXXX after 45 mins., he provided contradictory information from the original representative. XXXX also said that there is " no greater authority '' than him at the company to help me, except " maybe '' the " correspondence department. '' Was informed that the card was activated without my knowledge in XXXX. 2017, even though I received contradictory information when I called the credit card company on XXXX XXXX, 2017 to actually activate the card and confirm the promotional offer. ( I received my first credit card statement several weeks later with indicated activity beginning on XXXX XXXX, 2017, the day after I called to activate the card. ) Between XX/XX/XXXX,  when I first talked to the credit card company to activate the card, and XX/XX/XXXX,  statements show that more than $ XXXX was spent on the card, surpassing the understood $ XXXX over 3-months offer to receive XXXX XXXX XXXX XXXX miles, but I did n't receive the miles. ( During this period all billing statements were paid promptly and in good faith to the original offer. ) At every touch point with XXXX credit card services for the XXXX XXXX XXXX card -- from application, to activation, to payment and follow-up -- I received either misinformation or contradictory and misleading information. I also had to speak to multiple people, only to be told at every corner that there was " nothing that could be done '' to receive the benefits of the original offer and that " no one at company '' could help me. <P/>In sum, I would simply like to receive the original benefits promised, otherwise noting that the customer experience at Chase credit card services is designed to mislead customers. <P/>Chase 's XXXX XXXX XXXX card 's annual membership fee is {$450.00}, but it falls far short of the standards of my XXXX XXXX XXXX XXXX card services, which has the same annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Discover credit card account, and on my statement I noticed a purchase on XX/XX/2017 from a clothing company in Arkansas. I did not recognize the charge. I immediately notified Discover and they began an investigation. On XX/XX/2017, I received communication from Discover stating that " The dispute was previously resolved in your favor, but after reviewing this new documentation ( from the merchant ) we 've determined that the transaction is valid ''. I have also reviewed this " new " information provided to discover from the merchant. On one page the merchant says it was a telephone/mail order. Then a hand written note states the order was made by e-mail. The merchant complains the charge back was invalid and now Discover has reversed its decision. A matter of note, much of the documentation from the merchant is unreadable due to small type and poor copy quality. Also, on one page the merchant is named as " XXXX XXXX '' and on another page as " XXXX XXXX XXXX ''. The purchase in question is listed as clothing. I absolutely did not order clothing from this company. I do n't see anything new here, just contradictory information and/or statements. Discover also states, '' We are required to report your account to the Consumer Reporting Agencies as a disputed account ... '' This appears to me as a muted attempt to intimidate the customer into removing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband opened a credit card with the bank 53rd in XX/XX/XXXX.. 
Their were a couple of accounts associated with this account that I know of.

My husband passed away on XX/XX/XXXX. He had this payment taken out of the checking account automatic every month. When he had passed I stopped the payment from being paid automatically out of account because of the direct deposit of monies were being delayed. 

I went to 53rd Bank in XXXX MI, the one where we have checking accounts with and sat a talked with the Personal Banker and submitted the original death certificate to her she pulled the information on the computer, and she said to me " this is not in your name it's in your husband name '' so disreguard this payment, " this is not your bill. '' She then took all the paper 's I had brought with me to show her and she shredded them also with the plastic credit cards. She was submitting the death certificate as proof. This was in the month of XX/XX/XXXX. I've received many calls from 53rd Bank stating I owe this money. I said No I do not! I've never had a credit card or charged any purchases with this account. The account number on this credit card keeps changing every 6 Months or so.. it's a lot. I've been yelled at by the collections department threaten harassed. I've called the Dispute Signed Application phone numbers a few of them No one will help me clear this up. 

I asked the Bank Managers at Two 53rd banks to just show me the signed application of my signature on the loan was told I'd have to get an attorney to open up the records, I said " Why their my records '' aren't they! 
So last month I've been torment by them and was also informed that 53rd was putting derogatory remarks on my credit score bring it down also having a 53rd account that meant I was paying them my monthly fee to do this to myself. I paid the {$620.00} they wanted which left me scraping by. 
So needless to say I closed both the checking accounts we had at 53rd Bank. 

I don't know what else to do no one seems to want and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  has reported two unvalidated accounts that do not belong to me please remove

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 2021-06-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: TX
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 filed disputes concerning the information on my credit file. I am being told that is it factual. I do not know some of the creditors listed on my credit profile. I do not have an open line of credit listed in which I am paying. I will attach a letter that outlines my complaint in greater detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: DC
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've disputed bankruptcy twice with Experian and tell me it ' still remains on credit report. 
When I received a letter from the U.S. Federal Courts tell me they don't report to three bureaus, I will attach letter from the US Federal Courts, and Letter I sent to Experian as well.

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 2017-06-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been dealing wi th Navient for far too long. They are expecting me to pay close to {$1000.00} per month. When I call to speak  to someone, they hang up on me. This has happened several times. When I have tried to fill out the online form, I get an email stating they have received it, but there is no evidence of it on my account, and no one has reached out to me about my concerns. I feel like they are taking advantage of their customers and completely setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: AES/PHEAA
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:
XXXX XXXX XXXX Company is reporting 3 loans each as late twice to all credit bureaus.

90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX Service Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX service placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: CITIBANK, N.A.
State: WA
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 and funded a Citi checking account back to XX/XX/2018. 
The promotion I opened account with is " get XXXX $ cash bonus after maintain XXXX in account for 60 days ''. I completed required activity in early XXXX, 2018. So I should get cash bonus early XXXX, but I didn't. 

I contacted Citi about this and opened a case on XX/XX/2018. I called Citi twice on XX/XX/XXXX and XX/XX/XXXX to check case status, but there is no any update on it. 

I hope CFPB can help me solve this dispute issue. Thanks

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 2017-07-05
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:
Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to Equifax, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXXXXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX XXXXXXXX is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My auto loan through Ally Financial was paid numerous times but the company always called trying to collect late fees 2 days after the bill was paid up to date a fee of {$32.00} and then WANTED AN ADDITIONAL {$32.00} LATE FEE BOTH ON THE SAME DAY. tHERE WERE TIMES WHEN i PAID THE LOAN AMOUT AND PAID ADDDITIONAL MONIES BUT 2 DAYS LATER RECEIVED A LETTER STATING THAT A LATE FEE OF {$21.00} was still due. This went on the entire time for the loan. Mostly it was phone calls requesting {$32.00} late fees after the bill was paid up to date two days prior but I did finally receive a notice two days after it was paid requesting additional late fees. I have documented proof of both, additionally these letters and phone calls were generated a few days after the bill was paid. The car was repossed and I tried to pay one payment which Ally would not accept. I feel that I was a victim to a SIMILIAR CASE THAT INVOLVED A MAN NAMED XXXX, WHICH i SAW ON XXXX. wHILE THERE IS PROBABLY NOT TIME TO SAVE MY VEHCLE XXXX XXXX vin #  XXXX, XXXX title # XXXX, lein held by ALLY Financial XXXX XXXX XXXXXXXX, XXXX, XXXX   XXXX. Debt was collected from PO boxes in XXXX, XXXX. I am sharing my stories so that you can prevent other consumers from experiencing fraudulent activity from ALLY Financial. I have documentation that could not be scanned at my local library but will and send in addition. But Ally also has copies that were sent to me, if they are being honest. I will file other complaints and forward documentation to you with the file.I prefer correspondence in writing and duplicates sent via email, I have had numerous problems with my XXXX account and emails disappearing or not sent to my inbox, another complaint for another time. Thank you in advance for your time and attention.

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 2019-01-10
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/XXXX and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've requested a Validation of the alleged debt from Midland Credit but to date, have not received the requested information. I would like a full breakdown of the amount allegedly owed, proof that this company is licensed to collect on this alleged debt in my state, proof of my digital or wet signature used to open this alleged account, as well as proof of my consent to have this company report this alleged debt on my credit reports. If company CAN NOT provide all of the requested information, please delete this erroneous account from my credit reports so that it may no longer cause me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, 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:
I HAVE FILED NUMEROUS DISPUTES WITH XXXX AND EQUIFAX IN REGARDS TO A XXXX  XXXX ACCOUNT ON MY CONSUMER CREDIT REPORT AND ACCORDING TO FCRA SEC 623 ( a ) ( 6 ) these companies are to stop reporting incorrect information on my consumer credit reports tha account that im referencing is a XXXX  XXXX account # XXXX ... This account is suppose to be blocked and removed my my consumer credit report .I was a victim of identity theft and had no knowledge of this acccount ... And yet XXXX and Equifax XXXX to report this account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection Company ( Jefferson Capital Sy ) has placed a collection on my credit on XX/XX/XXXX,2017 for a  XXXX XXXX Bill of {$1000.00} on my account. I never had an account with XXXX and I believe this charge was due to some fraudulent account was created by an importer.Last year another company placed the same ( XXXX Bill ) and I immediately notified them about the fraudulent charge and they were able to remove it from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

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 2018-06-20
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We ( My Sister & I : XXXX XXXX-On Deed/Not Loan ) are doing a follow-up as an CFPB associate suggested, and are rendering an amended addendum, based on the neglect and oversight on the previous complaint and comprehensive package, that was sent to your organization, that was either intentionally omitted or ignored via Selene Finance 's response. 
Included in this package is the most recent modification offer that was sent to us ( Pages 1-3 ). 
We accepted the offer and replied within 7 business days ( Pages 4,5 ). 
NOTE : Because of the fact that Selene Finance did not acknowledge that they damaged my sisters credit, nor did they make any mention of repairing the damage until we filed a complaint to your organization ( CFPB ) . I rendered a counter offer for them to consider, due to my being perturbed, and having a feeling of hopelessness, because of the affect it had on my sister 's health ; and the length of time the Derogatory Reporting being in existence, at least 9 months before they ( Selene Finance ) corrected the problem ( See Pages 6,7 ) Derogatory Report ( Pages 8,9 ).

Company response to consumer: Closed with explanation