BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the 14th and 23 and still nothing.

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 2020-02-26
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been making my mortgage payments on time for years. XX/XX/XXXX and XX/XX/XXXX I changed bank and contacted the mortgage company so they can take payment from me over the phone. Since they had already process the may payment from the account on file, they had refuse to take a second payment from me over the phone. 
Meanwhile, says are passing by without any sign of them getting the payment even though I had money to cover three months if they wanted to help me. Now I need to have the PMI remove from my mortgage, they tell me that I am not qualified because of the late payment of XX/XX/XXXX. 
Please help me resolve this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Since the Equifax security breach I have been trying to stop them from collecting my data. 
I do not trust them any longer, as they have shown to be terrible custodians of my information. The best they seem to be able to do is to put a credit freeze on my report. This does not stop them from collecting my data. How can I stop them from collecting any more data on me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I HAVE DISPUTED WITH EXPERIAN CREDIT BUREAU THE ACCURACY OF THE PUBLIC RECORDS ON MY CREDIT REPORT. 
I REQUESTED THAT THEY DISPUTE THE VERIFICATION OF ACCOUNT, ADDRESS, PHONE, LAWYERS NAME AND THE DETAILED METHOD OF INVESTIGATION AND A COPY OF THE BANKRUPTCY DOCUMENTS. 
THE NEVER SENT THE REQUEST AFTER XXXX DISPUTES. ON XXXX XXXX IT WAS OVER 30 DAYS SO THEY DELETED THE XXXX PUBLIC RECORDS, WHICH WAS BANKRUPTCY XXXX. THE XXXX THE PUBLIC RECORDS ON XXXX/XXXX/XXXX AND DID NOT PROVIDE A REINSERTION NOTICE WHICH IS REQUIRED BY THE FCRA NOR DID THEY VERIFIED THE DISPUTED IN ANY OF THE XXXX RECORDED DISPUTES. THE FCRA SAYS IF THE ITEMS ARE NOT VERIFIED WITHIN 30 DAYS, THEY MUST BE DELETED. THERE IS ALSO WILLFUL NEGLIGENCE FOR PURPOSELY NOT PROVIDING THE DOCUMENTS REQUESTED

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 2022-06-10
Company: JPMORGAN CHASE & CO.
State: MI
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:
Wanted to take advantage of an advertised promotion Chase had for the Sapphire XXXX card, where they offered a XXXX point bonus for spending {$4000.00} in 3 months. I had called and checked with them to see if I was eligible, as I already had a Sapphire Reserve card and knew that you could only have one Sapphire card with Chase at a time. Under the advisement of the agent, I was told to downgrade my current Chase Sapphire Reserve card to a Freedom level card, which I did. I was told that since I opened the Sapphire Reserve card 48 months ago with another promotional offer, I would be eligible to receive a bonus on the opening of this Chase Sapphire Preferred card. THESE CALLS WERE ALL RECORDED AND MONITORED! After following their instruction and guidance, my application for the Chase Sapphire XXXX card was declined because the system still thought that I had a Sapphire Reserve card. Again I called and was told that I would need to wait until my next billing cycle was over to ask for reconsideration - keep in mind I was never told this initially - and they said I would still be eligible for the original promotion that had since expired since my application was still submitted before expiration. I called for reconsideration in the time frame I was advised, and was told that I was not eligible for the promotion, after all that. I was told that the previous agents misinformed me and would receive better training in the future. How can a financial institution have this level of negligence? I understand this issue is about points, but this is a financial institution that should NEVER give incorrect information to consumers. The only possible reasoning is that they are willing to play games and give the run around to consumers who are taking advantage of the promotions that they are offering. If that is the case, they shouldn't offer promotions anymore. It's false and misleading advertising along with a nefarious business practice to bait consumers into applying for more credit accounts under false pretenses that there is a prize of bonus points waiting at the end of the process, which they never intend to award.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My problem started in XXXX 2017. Suntrust Bank N.A. Refunded some of the fees for my items which were submitted to be paid ( such as health memberships, XXXX, etc ). My cable bill and my cell phone bills went through this account as well. In XXXX 2017, I became ill and noticed that my acct was overdrawn by {$200.00}. I called the bank and told them I did not want them to honor any automatic payments. I spoke with the manager on XX/XX/XXXX and she said she had reviewed my account and would call me back. She never did and the charges have now amounted to -XXXX. <P/>I am going to close this account, and I have contacted my automatic billers to not bill that account. I have accrued over {$500.00} in {$36.00} overdraft fee increments. Please assist me in recovering some of these fees.

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 2017-09-12
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
MIDWEST VIOLATED MANY CONSUMER PROTECTION LAWS INCLUDING SOL.EXPIRED AND FAIL TO ADDRESS LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2022 I received an alert notifying me that a new collection had been reported on my credit bureaus. I checked and saw that a company called XXXX XXXX XXXX was showing a debt owed. This was a surprise to me because I had not received any type of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. 
I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/2022 which is fraud. 

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2019-07-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
In applying for a new XXXX XXXX credit card, Equifax credit report informed me of {$11000.00} outstanding balance from a XXXX  XXXX XXXX credit card that I never opened. The card is >120 days past due. This has decimated my credit. I never did any business with XXXX XXXX XXXX, ever. I never opened a bank account, debit card, or credit card with them. I don't even know where they are located and never been to any XXXX  XXXX XXXX location. My banking in the last couple years has been with XXXX, XXXX, XXXX online, and now XXXX. Equifax has reported this as fraud and advised me to file an FTC complaint. I received a letter from XXXX XXXX XXXX a couple months ago about an outstanding account and called them to dispute. Once I got to a reputable person, they said they had no accounts with my information and I agreed I never did business with them. I never received another letter. Something is very wrong, this is fraud of some kind. The last 4 digits of the false XXXX account is XXXX per Equifax. My Equifax Confirmation # is : XXXX -XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: TENET HEALTHCARE CORPORATION
State: GA
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:
I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account BARCLAYS BANK XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-17
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account SUNTRUST XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that SUNTRUST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-17
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account CONSUMER PORTFOLIO XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONSUMER PORTFOLIO XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX XXXXXXXX {$1300.00}

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 2021-07-14
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 don't even know where to begin. On my credit report there are 3 collection account. Two of the three I have paid off, even though they did not belong to me, and the third one I am disputing because it is the banks error. Since two have been paid by me why should the collections still be on my credit report?? WHY does the company still get to harm me if they have been paid?? I am SO DISGUSTED with the credit reporting system. Then the one I am disputing should not be on my credit report until the company reporting the collection and myself have come to an agreement on the account. WHY am I being punished for something that has not been resolved?? I have ALWAYS paid my bills on time or before they are due.I had a home mortgage and then paid the loan off after 8 months, but the credit reporting agencies took points away from my score. This make no sense at all. The companies that put the accounts in collection that I have paid got their money. WHY do they get to do me harm for the next 5 or 7 years or however long they stay on a report. It is hurting me financially. I am trying to buy a new car, but I can't because the interest rate is too high due to the collections. Also, when I have gone to look at cars the dealerships have been trying to get me approved with multiple lenders. Now I can't get a good interest rate or I have been completely denied a car loan because of the collections and they say I have too many inquiries on my report. The car dealerships are so desperate to sell a car that they put my info through multiple lenders. This is also not right. I have low credit usage, pay ALL my bills on time and my credit cards are paid in full every month. None of this is acceptable to me. I am sick and tired of hearing things like " oh well your fico score to purchase a car is different then a regular fico score ''. WHY is this allowed?? Do you realize how harmful this is to not only me, but I am sure hundreds of thousands of consumers. I paid off a car loan a year ago and my score dropped. I paid off a personal loan and my score dropped. I paid off my house and my score dropped!! How is any of this acceptable?? I should be able to go buy a brand new with little to no down payment and an interest rate of XXXX or XXXX not XXXX based on my payment history, my low credit utilization and my stability at my job and my home. But instead, I am driving in a car that I question every day " am I going to make it to work today or am I going to breakdown?? ". I am so UPSET. iT IS UNBELIEVABLE HOW SHADY EVERYONE IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom this may concern, I have three late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The card issuer is capitol one. The reason for the miss payments is due to the fact I am not informed on technology and I dont understand how to use them. The Reason why the banker told me to set up an automatic payments for the capital one platinum for the convince and the fact that Im too old to understand technology. There was a miscommunication within the banker who told me that my minimum payment was only $ XXXX monthly. So I made the automatic payment in the amount of {$20.00} a month when the actual minimum payment is {$25.00} at the time. I found out when I received the late payments appeared on my credit report-and I contacted Capital One and explain the situation they could not help me even though their banker helped me set up the minimum payments that caused this whole issue but now it needs resolving. This has caused a spectrum of issues in my credit affecting my life style and my family. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$2700.00} XX/XX/18 XXXX XXXX XXXX {$110.00} XX/XX/18 XXXX XXXX {$190.00} XX/XX/18 Never received validity of debts.

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 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital one Auto finance is reporting to the 3 major credit reporting agencies that a automobile purchased in 2017 was included in a bankruptcy and that the account wasn't paid and is being reported as closed. However the automobile is currently paid as agreed, was not included in the bankruptcy, and is still an open account. Disputes have been filed and capital one claims they are correct, dispute the fact they have copies of the purchase agreement showing when the auto was bought, the copy of the bankruptcy discharge stating the bankruptcy was filed 3 years prior to the auto being bought, copies of the current auto loan payments.

Company response to consumer: Closed with non-monetary relief