BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: U.S. BANCORP
State: OK
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 purchased flowers for my wife on XX/XX/XXXX for delivery on XX/XX/XXXX via the internet for a delivery in XXXX, Ok. on XX/XX/XXXX. I charged {$79.00} to my XXXX XXXX XXXX XXXX XXXX card. These flowers were never delivered to my wife. I contacted the dispute department on XX/XX/XXXX explaining these details to them with a follow up forwarding them the purchase order I printed from the web sight indicating delivery on XX/XX/XXXX. I received a letter from an individual named XXXX XXXX Card member Service, indicating they would not reverse the charges because I didn't cancel the charges or return the merchandise. 

I followed this up with 2 phone calls to XXXX XXXX and a supervisor by the name of XXXX employee # XXXX that their was no merchandise to return because no merchandise was ever received. They refused to reverse the charges. 

My case # with XXXX XXXX is XXXX Please help. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ok. XXXX Phone # 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 non-monetary relief
Consumer complaint received 2018-05-21
Company: Go Capital Holdings, LLC
State: GA
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:
The XXXX XXXX XXXX was reposesesed approximately XXXX weeks prior to today 's date.i enquired when the car was to be auctioned on approximately XX/XX/XXXX and was told the car would be auctioned on XX/XX/XXXX. On XX/XX/XXXX I contacted the auction facility and the car was already sold. Not allowing me to retrieve it, through either bankruptcy or back payment.After the auction I've been notified that I'm responsible for approx {$14000.00} Which is twice as much as what the car is worth.

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 2022-10-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please investigate and delete the following account that do not belong to me : XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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 have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.

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 2022-01-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

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 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have sent them 3 certified letters to dispute and substantiate the debt. All 3 have been ignored and no action was taken. They are in serious violation of the FCRA.

Letter # 1, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, formally disputed debt, they failed to update my credit reports to indicate this within the required 30 days Letter # 2, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, indicated that they violated FCRA by not updating my credit reports within the 30 days, received form letter not addressing issue Letter # 3 Sent XX/XX/XXXX, Signed for XX/XX/XXXX, requested substantiation of the debt bearing my signature, received same form letter I have retained copied of the certified letters sent, certified mail confirmation and all documentation related to this matter should you need copies or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.

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 2017-11-28
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I 've been considering upgrading my current credit card with Chase. I decided to browse the offers available to me ( and linked to my current Chase account ), under the impression that these offers were an " upgrade '' and not in addition to my current account. I applied for an offer, and was told they " needed more time '' to evaluate my credit, and received an email immediately from Chase with the following text : " We have received your request for a Chase credit card. We 'll let you know our decision by U.S. mail. This could take up to 30 days. '' Realizing that this would be an additional card on top of the cards I already have after some quick research, I called Chase directly to ask if I could withdraw the application -- no less than 20 minutes after my initial application -- and asked to cancel the application. They told me that despite the email and the initial prompt from the website indicating, my application had already been denied. ( Though upon more careful review, the email seems to be just a note saying that they will deny my application -- not that they are reviewing it -- but that they will do so by mail. ) I know that the " hard inquiry '' will negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX I received notice a new account repository my XXXX credit report. Upon revisit showed axcess financial and I was not familiar with this. I called the number provided they stated I had applied for a loan but they could not nor would not give me any other information. I asked if XXXX XXXX was also on account they confirmed but would not give anything else. I believe my ex-wife opened this account and had funds deposited into her XXXX XXXX Account without my knowledge. She previously did so with a company called loan me and they confirmed and immediately closed the fraudulent account.. this is not my account I never received any funds from this company. Please look into possible fraud actions by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX XXXX {$820.00} XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over 18 years old. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.

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 2020-05-31
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Date : XX/XX/2020 Actions : Was trying to connect my bank to donate directly to a non-profit and I was informed PNC made changes that prevents me from being able to link my account through XXXX XXXX  to the organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: SQUARETWO FINANCIAL CORPORATION
State: GA
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:
I open the an XXXX XXXX XXXX Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and XXXX. These are a few of the know debt collectors using my information as tactics to defame my consumer report.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX I discovered my identity had been stolen. I immediately placed a hold on all credit reporting and reported the theft to the FTC. I am now ( XXXX XXXX ) trying to refinance a house and after seven attempts starting XXXX XXXX I have been unable to get Equifax to temporarily lift this freeze. Equifax is abusing its near-monopoly position and this delay, if unresolved, is going to cost me tens of thousands of dollars because of higher interest on an existing mortgage in comparison to the refinance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, 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 filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over 18 years old. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: PAID IN FULL, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in regards to Paid in Full ( PIF Inc. ), and XXXX XXXX XXXX XXXX XXXX . For unknowingly any legally putting a hard hit on my credit report, and inaccurately reporting something that I have absolutely no personal financial obligation for! This was clearly something I was signing as my job description called for, for a company that I was simply working for. The two mentioned above had absolutely no right to obtain my ss # and run my credit for any reason whatsoever. This is now on my personal credit report and being a personal debt, which is absolutely incorrect, and once again, they had no right whatsoever to do so in the first place! This has damage my credit and hindered my ability to obtain new financing. And also for the record, the contractor that these two represent, never finish the work completely and wanted payment in full! Who do that???? Unfortunately, work was never completed and payment was never made and now this is gone to litigation. Both parties have an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Freedom Mortgage Company
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I late payments for XXXX, XXXX, XXXX and XXXX of XXXX. At that time frame we were having serious issues with our Mortage company over a unacknowledged tax credit we have, we were getting false information about how this issue was going to be resolved, at first we were being told that the back pay would be applied to our next due payment, we would receive our next statement and see that it was not then we would have to back pay it to be caught up at which point Freedom Mortage representatives were telling us that again it would be applied to our next payment this cycle continued until we contacted our loan origination company to get involved due to our constant miss information and run around we were receiving, residential mortgage got In contact with a representative from Freedom Mortage who worked with us to resolve the issue. We ended up receiving a back payment check as we learned that the it could not be applied to a payment and that it was incorrect information that was being given to us! Our late payments were not our fault and are due entirely to faulty information given to us by Feedom Mortages call center. These late payment reports are drastically and negatively affecting our credit. 

Our point of contact has been XXXX in customer relations at Greedom Mortage. 
The customer care office who is the department that would resolve this will not return my calls or emails. 

I sent Freedom Mortages customer care center a email on XX/XX/XXXX and again on XX/XX/XXXX the second time I also CCed there customer relations office yet still with no response! 

Any help would be greatly appreciated Thank you.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-05-05
Company: Google Compare Credit Cards Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I enrolled in an offer on Google Pay to use to earn 20 % cashback ( up to {$50.00} maximum ) when using Google Pay  at XXXX. I verified that I was enrolled in the offer in the Google Pay app prior to completing the transaction. Please see attached receipt from XXXX detailing the amount of this transaction of {$170.00}. Shortly after playing the order, a pending cashback of {$34.00} appeared in my Google Pay account. However, this ended up disappearing from my account. I speculated that this may be due to a *DIFFERENT* transaction with Google Pay at XXXX  that ultimately was refunded ( see attached ). I reached out to Google Pay regarding this speculation. After their investigation, they determined that I was correct and that I should be credited for this amount ( see attached ). Despite stating this and despite two additional attempts at following up with no response from Google Pay, the amount still does not appear. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On several occasions, Firstmark Services has made promises of applying a Natutal Disaster Forbearance to my XXXX XXXX loans for wildfires experienced in XXXX County. I have had over ten contacts with this company, and on each call, they state they are submitting this to be applied and expedited, each and every time, most recently today, XX/XX/21. Meanwhile, my account continues to grow more delinquent during a time of severe hardship and Firstmark has not honored their promise of applying the forbearance to my XXXX XXXX XXXX XXXX XXXX loans. This company is absolutely subpar in terms of customer service, has caused me great distress over many contacts and still refuses to honor their promise to apply these forbearances on multiple calls spanning four weeks now. This matter is time urgent and requires immediate resolution prior to credit reporting in 6 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: The CBE Group, 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 have received calls In the past regarding a balanced i owed the IRS that I did know how it happened. They said I used dependents on income tax around XXXX, and owed a balance of {$4000.00} I believe. I had no idea how this occurred but felt obligated for the debt that was not mine. In XXXX I was told by my tax worker that I was unable to file taxes due to my social security being in use by a other party, which I had no knowledge of. I was given forms to fill out and show proof that may social was in use but not by me. I now keep getting harassing phone calls everyday from a company called CBE group regarding the debt that I did not accumulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Gold key credit inc- XXXX XXXX XXXX XXXX Amount : XXXX Date XX/XX/2016 but they sent it to the credit XX/XX/2917 I have been trying to solve this problem since my son pass that day. I went to hospital because my baby was in XXXX ended up losing him and having an emergency deliver knowing that he was not alive anymore. So as u can imagine until today this is devastating for me. The XXXX XXXX from the hospital I dont know why did not charge the right insurance, by that time my primary was XXXX XXXX XXXX XXXX XXXX and the second one was through my employer XXXX XXXX. Instead of the XXXX XXXX charged my primary they charged my secondary, so for that reason they did not pay. They are supposed to cover what the first one do not cover. The hospital charged my right insurance so I dont understand why if is the same visit the same day same reason why the emergency did such a big mistake. Please help me, they told me that is too late to fix this and that the primary insurance which is was XXXX XXXX is not going to cover. Its not my fault, please help me solve this problem to at least have a little peace for my son that pass away and for me. 
Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief