BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2022-09-07
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The struggle continues with my situation. I am frustrated as how you can offer XXXX XXXX  XXXX XXXX forgiveness if you base this grant on SSD guidelines as you clearly do not understand when this benefits ends due to reaching full social security age vs. having a 5 to 6 year review. Not all recipients of SSD have a review of benefits as they reach full social security age and flip to those benefits. Perhaps if I had been diagnosed earlier than within 12 months of my full retirement age, I would have been given a review date. However based on my diagnosis which is an automatic grant of SSD benefits I doubt that I would have been placed on a review. 

I have continued to contact them- they offer a benefit they do not understant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, On XX/XX/2022, I submitted a claim to Chase Bank in regard to a check that was cashed by an individual. Essentially, this individual stole the check, erased the name of the company that it was supposed to go to, and cashed it themselves. This was a check for {$4000.00} that was made out to the company " XXXX XXXX. '' When I found out that they never received the check, I looked on my Chase XXXXXXXX XXXX and found that the {$4000.00} had already been taken out of my checking account, but the name that came up on the check was " XXXX XXXX. '' This individual stole my check and wrote it out for themself by changing the name and the date, essentially committing a felony. I have been on and off of the phone with chase regarding this incident, and originally this was all supposed to be solved by XX/XX/XXXX. After calling Chase Customer Service at least 3 times, they kept extending the deadline and saying that the claim is still open and investigating is still going on. Quite frankly, they keep making promises that they are not keeping and I am not sure how long it is going to take for them to finally do their job and get this thing solved so I can get my reimbursement. I reached out to the FDIC and they are the ones that told me to get in touch with CFPB. Any help that you can provide me would be greatly appreciated, as this is a lot of money that was stolen from me and I don't feel like Chase Bank has been doing a good job handling my situation. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax/Equifax credit bureau is sending out frivolous letters. They recently sent me three letters on the same date, XX/XX/2022, for identification after they fraudulently said they couldnt find my account and removed/deleted some accounts I requested to be removed/deleted when I called XX/XX/2022 and submitted my complaint through CFPB also on XX/XX/XXXX. These actions are making me lose confidence in Equifax/Equifax credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: MN
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:
Credit karma I have been with credit karma for over 5 years now and I keep getting pre approved credit cards but once I apply my credit score goes down and I get denied and this has happened numerous of times. Why would they say Im pre approved but I get denied and it also effects my credit score. Its very misleading and false information. How can I move forward because this isnt right Im trying to build my credit not destroy my credit and a future Im trying to build for my children. XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My ex-husband purchased a used XXXX XXXX and financed it through Ally Financial. For my ex-husband of 40 years to get the loan I needed to sign. On XXXX XXXX he took the car to NH and left me without a vehicle. He cancelled the insurance on the vehicle. The vehicle is not registered. I have called Ally numerous times only to be told that they do not care if the car is insured or registered. My ex-husband is making payments prior to the 90 day mark. Ally said if he made a payment every 89 days they were fine with that. My lawyer recommended that I get insurance on the car in my name. There is not an insurance company that will insure that car because it is not in my possession or in the state of Florida. But Ally has told me that if the car is in an accident I am responsible. There are 61 payments left on the car. If Ally allows him to make 4-5 payments a year it could take 12 years to pay the car off. I have asked if I could take possession of the car. The XXXX Police said I could not. I asked Ally if they could reposses the car and they said NO. I am XXXX, have no car but am responsible if the car he is driving is damaged per ALLY. Ally will not force him to get insurance or to register the car and will allow him to make 4-5 payments a year. Ally has been rude to me on the phone and continually tells me that I am responsible for damages to the car. My hands are tied and could be for 10-12 years per Ally. It is affecting my credit report and will continue to for up to 12 years. Ally is uncooperative and is allowing my ex-husband to not carry insurance, not register the car and not make timely payments WHICH AFFECTS 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
Consumer complaint received 2022-09-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express declined my application for a XXXX Credit Card on the basis of 'too many new accounts '. After walking through my credit report and detailing the number of new accounts and the timeline of opening these accounts, company representatives have explained this 'does not seem like too many accounts ' - therefore bringing into question if this was inequitable / discriminatory consumer lending practices. I would like American Express to explain, quantifiably, how many accounts over what period causes a decline in order to match this information with my credit report and see if this was equitable or not. 

Recommended solution : 1 ) Appeal and manual review of the application, 2. ) Contact from American Express outlining its policies that quantifiably explain the rationale for decline ( equitably ), and/or 3. ) company retraction of hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MI
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:
These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status XXXX says open XXXX is closed XXXX XXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXXXXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open experian says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have file numerous complaints about select portfolio - they continue to harass and threaten me with foreclosure - they lack standing -they are not a real party of interest -nor do they have LEGAL documentation re : chain of title -and can not show perfected title. I have sent numerous request for quality written responses and they will not answer the questions asked. Instead they contact me via landline one day they want to know what my intentions with my house are ....??? then a few days later they call and state they have approved me for a loan modification??? then a few days later they call and say I am out of options only cash for keys now and they will be foreclosing and leave the home broom clean!!!! XX/XX/XXXX XXXX XXXX called from sps- re loan modification XX/XX/XXXX XXXX XXXX called from Sps-Re cash for keys no other options XX/XX/XXXX XXXX XXXX called from Sps Re leave home broom clean we will be foreclosing XX/XX/XXXX XXXX XXXX called from Sps Re : postponement of foreclosure was set for XX/XX/XXXX now postponed to XX/XX/XXXX- When I asked him the reason for the postponement he stated " There is just too much going on ''??? then in the mail i receive from sps the notice of postponement ( see attached ) I also receive from XXXX XXXX the company hired to do the foreclosure - 4 registered letters are postponement to XX/XX/XXXX for sale. ( see attached ) ) and now when I checked XXXX XXXX website re : my home the date is XX/XX/XXXX??? why the different dates??? there is no lender listed on file with foreclosure sale??? XXXX XXXX as well as Sps do not have the legal standing to foreclose on my home nor does XXXX XXXX XXXX XXXX XXXX ( never my lender ) - these three companies do not have legal standing, nor are they a party of interest - they do not even have the correct information, deed, promissory note - etc -what they have produced have been forged documents -wrong forged documents -the deed is invalid-there is no indebtedness to them and they have no authority to foreclose Sps continues to commit elderly abuse-violating the truth in lending act-forged documents -and has been illegally attempting to take my home for 12 months ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX of 2017 XXXX XXXX sent me alert that XXXX placed XXXX  delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on XXXX of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the XXXX negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XXXX of 2017 I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX  advised me XXXX of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, 2017 to see what had happened. I was told when setting up the payment plan in XXXX of 2017 to write a letter to XXXX XXXX credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.

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 2019-12-02
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a two bedroom apartment at XXXX XXXX XXXX   ( XXXX XXXX ) in XXXX, VA from XX/XX/XXXX - XX/XX/XXXX. I moved out in XX/XX/XXXX & continued to pay the lease until XX/XX/XXXX. When I returned the keys, management charged me {$990.00} for pet damage to the carpet ( The maintenance man pulled the carpet up and decided there were stains underneath of the carpet. ) I have photos of him doing this. I have never had a pet and have signed affidavits attesting to that fact. I subsequently took XXXX XXXX  to civil court in XXXX County, VA and on XX/XX/XXXX judgement was entered on my behalf ( case # XXXX ) and XXXX XXXX  ( XXXX XXXX ) sent me a check for my security deposit. Hunter Warfield ( a collection agency ) has been calling me for the last 2 years trying to collect the {$990.00}. I've sent letters to Hunter Warfied and XXXX with documentation explaining that this was adjudicated in a court of law. ( I have copies of all letters. ) I can not get Hunter Warfield to understand this debt is not owed. I can not get XXXX to send Hunter Warfield documentation saying I do not owe this debt. This has affected my credit rating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: EQUIFAX, INC.
State: SC
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:
Hard inquiry appears on my credit reports - XXXX, Equifax, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX of XXXX XXXX XXXX sent me alert that XXXX placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently XXXX XXXX XXXX. In XXXX of XXXX I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, XXXX to see what had happened. I was told when setting up the payment plan in XXXX of XXXX to write a letter to XXXX 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.

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 2017-06-21
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been enrolled in an income sensitive repayment plan with  ACS and  when I went to re-new, they are now informing me that i am not eligible because I make too much. Nothing has changed in my financial situation since last year and find it ridiculous that I am now unable to qualify. I also must note that for the past month an a half I have tried to communicate with them about this issue, they had done nothing, responded to none of my inquiries and all I seemed to have gotten was " your application is still being processed ''. Now that I am far behind on my payment, I call and they tell me that I do n't qualify. And now I have a  XXXX  payment which I really ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: CO
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:
There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

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 2022-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Over 1 year ago I removed all credit freezes from the credit bureau to secure a home loan. Within that time I have checked my credit corrected errors and updated information. My loan file can not move forward because Equifax now has an extended fraud alert and a telephone number on my file that I haven't used in decade. I called in verified my identity and can not get expedited assistance for my file to go back to underwriting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed a verifications f debt letter to IC Systems. On XX/XX/XXXX they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I was advised by the representative that they forwarded the letter on to XXXX XXXX who was the original creditor but that they did not receive a response. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. 
I was told that they would not remove it then they agent again attempted to collect on the debt. 
The amount of the debt shows to be {$950.00} opened on XX/XX/XXXX last report XX/XX/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 2022-09-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I applied and was approved for a XXXX XXXX XXXX XXXX with a signup bonus of XXXX bonus points after spending {$2000.00} within 3 months with the card. I spent well over {$2000.00} in less than 2 months and i did not receive any bonus miles. i have never had this card prior to recently being approved, and according to American Express terms I am allowed one sign on bonus per card per lifetime. I called several times over thee course of 3 months and received no help, I was told there was a pop up telling me i would not be eligible for the sign up bonus but i explained to them several times i never encountered that pop up/ page. After it became apparent Amex would not uphold their original agreement i downgraded the card.

Company response to consumer: Closed with explanation