BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
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: Problem with personal statement of dispute

Complaint:
I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several calls from Nelnet trying to collect money from me, but I do not owe any. When I called them today to ask about this, they claimed that no calls are being made to my number. The most recent call was made on Thursday,  XXXX   XXXX ,  2017 , at  XXXX  EST. They left a message on my voicemail which I have a recording of as proof that Nelnet is making calls to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One uses a system that doesn't analyze your credit score, on time payments, history, or anything else associated with a good credit report to raise your credit limit. There system is very specific and was tested vigorously. I/People don't just use increases to spend more. Some of us use it as tools to improve dependability and scores. Capital One has denied since XXXX every attempt to raise limit. Never had a negative payment, thousands in bank accounts there and some of there most prestigious cards with childish limits. There system waits for you to use all available credit and then just throws you thousands more. The system is essentially a ploy to keep the less fortunate behind and to not give those finances to those who are financially savvy and responsible. To use an exact example, in XX/XX/XXXX I opened 2 cards. One Capital One and one XXXX XXXX, they both started at XXXX. On this day the XXXX card has XXXX available and the Capital One is still at XXXX. I opened a store card a year later that started with XXXX, in 6 months its over XXXX available. One of my highest limits is XXXX. This is a known issue online and I will definitely be canceling accounts and shelving cards until forced closure. I had much more in my bank account then in available credit across 2 cards with Capital One, meaning they're making money off my money and can't even give an amount close to what's in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form XXXX receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.

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 2021-11-17
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
Sometime around XX/XX/2021 I applied for a credit card on American Express, XXXX XXXX  XXXX, I applied for this credit card to get to XXXX miles bonus and {$200.00} statement credit, I had to spend any amount of money on XXXX XXXX to get {$200.00} credit statement and {$2000.00} or more to get this bonus promotion of XXXX miles. I did complete the requirements and american express never gave me the promised promotion. I aksed for an explanation, they told me that it could be for having alredy used this promotion before, which I never applied for this promotion. they told me that it also could be becuase I had used other credit card, which is not true, they never provided to me any clear explanation why I was never given the offer. I submitted 3 different disputes and none of them gave me a real answer of why I never qualified. after a extensive research of finding reason why I did not get this promised promotion, I got to the conclusion that I deserve to get this bonus offer from american express, but they never helped me to solve this unfullfilled promised. 
american express unresolve disputes : case XXXX case XXXX case XXXX by XX/XX/XXXX customer service seemed not to care about my complains and never helped me to provided what I was promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: HEAD MERCANTILE CO., INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SOS GROUP ( Original Creditor Name XX/XX/XXXXXXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX. XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In 2010 I had financial trouble and asked for a refinance for lower payments, which they did but I had to sign a lien against my house for over XXXX dollars which is due when my house is paid off. Only XXXX actually went towards my home. The other XXXX the bank PNC Mortgage kept for themselves, I 'm assuming for the fees they charge. I have always been bitter about this and just recently learned about CFPB. Maybe someone can look into what they did and see if it was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Divorce in XXXX. Took on too much debt in the divorce. Signed up for debt relief service in XXXX. Setted all debt but one- USAA XXXX 

USAA charged the account off I XXXX. I received a tax bill for the charged off debt in XXXX and paid it. USAA is reporting the account is closed but still reporting that I owe them. 

USAA is holding my credit report hostage. They're aren't even offering me a deal. They charged the account off, closed it, reported it the IRS, I paid the bill and they are still reporting it. Why? To be vindictive? I'm never paying them a dime AND I'm a servicemember.

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 2017-06-01
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section  611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '  that I have disputed. Please resolve this manner as soon as possible. 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 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Ability Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied to enroll at XXXXXXXX XXXX  XX/XX/16 and completed document submission on XX/XX/16. On XX/XX/16 they received theofficial transcript from my previous university. On XX/XX/16 I submitted the XXXX XXXX  Mastery Promissory Note ( MPN ) XXXX XX/XX/16 I received an email that said my payment was past due. I spoke with someone in the Financial Aid office and was told to disreard the email as i had just completed the MPN. Classes began on XXXXbut i was unable to attend or even begin the classes. Because of this I sent an email to my academic advisor about dropping and unenrollin. On XX/XX/16 I received an email from my academic advisor that said I could drop and unenroll because I had not participated by simply replying to the email. I replied to email on XX/XX/16 and was unenrolled and withdrawn from the course.On XX/XX/16 I received an email to complete the Student Loan Exit Counseling Request and completed it on that same day. Per the Department of Education the loan was closed with a XXXX balance. I never received any correspondence that there was outstanding debt until XX/XX/16 and the account was then sold to Ability Recovery Service ( ARS ) in the amount of {$6700.00}. ARS placed this debt on my credit report in the amount of {$8100.00}. I have requested a validation of this debt directly from ARS by certified letter including the MPN with my signature and they only send an itemized sattement of the classes totaling {$6700.00}. I have since learned that ARS is not registered in my state to collect debt. I have also disputed the item with the credit agencies and ARS keeps validating the debt with them. I am filing this formal complaint as this is not a valid debt and should not be reporting on my credit profile.

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 2017-06-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea what this is for, I have tried to request validation and nothing. I did not go to the doctors in  XXXX    XXXX  . This is inaccurate information listed from this company  Commonwealth Financial  {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
JP Morgan Chase reported the final mortgage payment from a new refinance company was delivered one day late ( XX/XX/XXXX ). I have attempted to resolve this multiple times directly with Chase XXXX XXXX since XXXX. Chase has continued be deceptive and uncooperative I recently consulted with the XXXX XXXX XXXXe XXXX XXXX XXXX for documentation which it turns out Chase had in their procession but did not acknowledge. 

The documentation I received from XXXX XXXX was provided by myself to Chase XXXX XXXX on XX/XX/XXXX. Chase XXXX XXXX number XXXX XXXX. XXXX XXXX and XXXX XXXX of Chase were assigned to respond but phone calls confirm they will not correct the error. 

Documentation attached is as follows : Attachment A - Chase Home Mortgage Instructions to Loan Depot stating pay-off to be received by XX/XX/XXXX and would be considered " on time. '' Attachment B - Loan Depot correspondence delivering the payment to Chase Home Mortgage as a disbursement on or before XXXX  XX/XX/XXXX. XXXX XXXX confirmation that the refinancing was closed on XX/XX/XXXX. Chase simply did not process the payment into their records until the following XXXX XX/XX/XXXX continues to punish the consumer by including internal processing time in their credit reporting automated systems. This violates FCRA regulations and ignores actual written documentary evidence provided. 

Chase was in procession of this documentation during previous complaints including the following CFPB Cases XXXX, XXXX, XXXX, XXXX, XXXX but hid or ignored the information and continues to refuse to correct the record. See Attachment C summary. 

Further, during my last attempt to ask Chase XXXX XXXX to resolve this mistake, an apparent retaliation was purposely or inadvertently done by Chase. Another later report against this account, closed over 5 years prior in XXXX filed with the credit bureaus by Chase, likely in response to CFPB report XXXX I filed on XX/XX/XXXX. Reference Attachment D. This error was corrected but Chase did not acknowledge its responsibility as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today,  XXXX   XXXX ,   XXXX  I recei ved a letter fro m Transworld Systems.  At  XXXX , the same day I called them because I had no idea what they were charging me for. Supposedly I gave a check for the amount of {$320.00}  ( three hundred so mething, not quite sure of the amount ) and that check was used to pay an account on  XXXX . The check bounced. The problem is I do n't have an account on  XXXX , I 've never had. The collector, named  XXXX  said this was in  XXXX , six years ago and now they 're trying to collect {$720.00} for something that I did n't even buy. I asked if the check could be sent to me so I could see that is mine and that if it was I would pay the amount that it said on the check. The person said that was n't an option, that this was the government, the have my social security number, they have everything and they could do whatever they wanted. I told him " then tell them to kill me because I do n't have that amount of money and for an account that I do n't even have ''. They offered me to make payments. Again, I said no, it 's not fair to pay for something I do n't even know. I offered to pay in full the three hundredd something dollars, the person said no and even if I paid the {$720.00} he would not close my case and that the governement could do whatever they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have called multiple times throughout the year 2022, trying to obtain most recent mortgage statement. Unable to contact customer service or email with a resolution. Still havent received any mortgage statements from BSI financial services since the start of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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:
Fraudulent inquires and inaccurate account information

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 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a fraud claim this XX/XX/2021 when I found out that someone charged me {$1300.00}. I called the company before XX/XX/XXXX but I was on hold for more than an hour so i decided to call them the next day which I had to wait for another 2 hours. 

After 2 hours being on hold, I was finally got connected with someone and told them that the 3rd party charged my account with multiple transactions in different days totaling {$1300.00}. So, this company, canceled my previous card and issued a new one and created a fraud claim. 

And I was told that my account would be credit right away. After the phone call, i waited 1-2 business days but I didnt receive a provisional credit that the company promised. So i had to call them 5 days in a row but they were pointing fingers and that even though the claim was escalated, the customer service associates told me that their computer has the final decision if the claim get denied or not. 

Then, today, I checked my mobile bank and found out that my claim got denied without any reason. No calls, emails or text messages.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief