BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is for the XXXX XXXX Credit card ending in XXXX. I should have been allowed to transfer or redeem the XXXX points that equates to at least {$590.00} in a statement credit. On XXXX XXXX, 2017, I received a statement showing the XXXX points were not available. I also can not access the points online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX Mazda Tribute back in XX/XX/XXXX from XXXX XXXX Mazda in XXXX Alabama. XXXX XXXX Mazda is owned by XXXX XXXX XXXX. My contract reads " XXXX XXXX XXXX '', financed through Mazda American Credit. '' Or " XXXX XXXX XXXX, DBA, or " DOING BUSINESS AS '' " AMERICAN MAZDA CREDIT ''. We bought our Tribute new and struggled to keep it through a layoff from my employer by deferring our past due payments. Once our layoff ended and I was called back to work all was fine. Then in XX/XX/XXXX after being back at work for just a few months my employer again started to layoff. I knew we would never make it through another layoff. We had not recovered financially from the XXXX layoff. I called the finance company and asked what would be my best option for the Tribute knowing that they would repo it. There was no way I could make the payments. Our focus now was to try and hold on to our home. I was told that if I could VOLUNTARILY bring the car back into the lot I would save a good amount of money in fees and a voluntarily repo is far better than them coming to get it. Now I know there is really no good benefit. So that 's what I did. Of course they took me to court and got a default judgement on the vehicle or me that is. Just before my warehouse was to begin laiding off, I got hurt at work and was let go. Now I am XXXX and needless to say things have only gotten worse. We lost everything. Now for the part of why I am filing this complaint. My wife and I have done all we can to make sure everybody that has us in collections are being paid in full, or settled on an agreed amount to close the bill. My credit is totally in the tank. I have been trying to stay up with my credit rating and score and to get back to where we were when all this happened. While I was reviewing my free report for this year I noticed something that was not supposed to be there. " XXXX XXXX XXXX '' has me down as a " PUBLIC NOTICE '', which was or is, the default judgement. Thats fine, I know I still owe them money. But then I noticed " American Mazda Credit '' on there as having me in collections for the same amount owed. Why I never noticed this before is beyond me. I guess It just did not register. So what they have done is hit my credit score XXXX. Or double jeopardy. That is why I am filing this complaint, is to see if there is anything you can do to help me with this matter. Large corporations already have a shadow on us little people. This is really a low down way of doing business to gain even more of a way grip on the public. It 's no wonder it is so hard to stay in the good graces of the financial world. I want to pay off all my bills and I will but this goes too far and I need someone to help me get the bigs guys to at least just do what is necessary to protect them selves of course but at the same time, let me try and make good without the shady doings that they are doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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: Information belongs to someone else

Complaint:
Please investigate and delete the following disputed account : XXXX XXXX XXXX account 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 2022-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2017-04-13
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Stonegate Mortgage. My payment was {$1200.00}. The company sent me a statement stating they were increasing my payment to {$1800.00}. Stonegate incorrectly entered my property taxes into the Escrow Statement and that resulted in the increase payment. I have tried to call. They do n't answer the phone. An employee finally called me back and could n't help me. I have sent two emails and attached the documents. They responded once with a non-responsive email. Please help me. They are overcharging me in excess of {$600.00} and I ca n't afford the payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine .I turned XXXX years old on XX/XX/XXXX.The debt occurred on XX/XX/XXXX.This is effecting me tremendously because jobs are denying me the opportunity for employment.Please help resolved this my removing this from my credit bureaus .Also please do n't allow them to sell this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been 60days and I have not received my results back from the credit reporting agency. This action is grounds from immediate/prompt removal/deletion of all disputed items on my consumer 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 non-monetary relief
Consumer complaint received 2016-10-26
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection on my credit report is for XXXX dollars for a place that i had moved out of and taken my name off the lease. I also had a deposit for {$450.00} that I never received back. It was a lease that was split with another person ( XXXX XXXX and XXXX XXXX ). After the 6 month lease was up I had my name taken off the lease and my deposit was taken from me. The XXXX other roomates continued to live in the residence and they would be responsible for any money owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX has placed a report on my XXXX bureau files claiming to be the assignee of my former landlord " XXXX '' located in XXXX, AZ. they claim I owe rent from when I move during XXXX 2011. They have never produced a document claiming to be the assignee and have advised me over the phone they have no intention of suing me for they know they can not prevail. Despite this the bureaus continue to report this on my credit.

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 2022-03-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ).

We applied for a {$400.00} deferred minimum payment grace period on our Chase credit card ending in -XXXX.

We have not received the {$400.00} payment deferment as promised for XX/XX/XXXX that is due by Saturday, XX/XX/XXXX per Chase Irma Relief at XXXX.

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received two monthly mortgage statements in XXXX, the second statement showed unusually activity on the account along with an increase in the account outstanding balance. The unusually activity shown on the statement is listed as " curtailment reversal '' and " funds reversal ''. I contacted the bank by phone and spoke to an agent. After 30 minutes of discussion and the agent placing me on hold each time I asked a question, I was told that my outstanding balance had not increased and a letter would be sent out to explain the unusually account activity transactions. I waited a week and no letter. So I called again and spoke with a different agent. The agent reviewed the account and previous notes from my previous call-in. After 30+ minutes with this agent, he indicated that a letter again would be sent to explain the unusually listed transactions and the account balance issue. Again I waited a week and no letter. So I called again. I spoke with another different agent and explained the issue. This agent would put me on hold after each question and come back with a short statement and then on hold again. This conversation went on for 30+ minutes. Finally, the agent stated the account outstanding balance had not increased during the time between the two statements and said a letter had been sent out to explain this. I stated to the agent I had not received any letter and that I was not in agreement on her explanation regarding the outstanding balance. She hung up on 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 2016-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following complaint was resolved by it being removed from XXXX on XX/XX/XXXX. How do I get it removed from XXXX and Equifax also? Here was my Case number : XXXX I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have 3 collection ref # XXXX, ref # XXXX, ref # XXXX i never request this loans from any company. i have filled a police report because i was a victim of fraud, some is used my identity to request this loan in a Rapid Cash XXXX location. the only reason i find out about it, is because the run my credit report and i find out about this collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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: Information belongs to someone else

Complaint:
I am disputing the following account under FCRA : Accounts Receivable account # XXXX Please delete asap

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 2022-03-18
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
it is a online romance digital scam, the guys posts hiring ads on XXXX Then he starts to build a relationship with me to gain my trust. I have wired money from bank of America to a legit Crypto.com, then from Cypto to a fake XXXX XXXX. 
This is the scam site. 
XXXX XXXX XXXX I have lost {$80000.00}, later on XXXX XXXX has confessed to me about the scam, but he says the only way I can get my money back is to introduce more rich people to him. When I have rejected him, he blocked me completely. I have contacted the international anti scam alliance. We figured out he is currently in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On the date of XX/XX/XXXX, I made a phone conference to customer service of Equifax and they told me that I did not have any record of me because all of my credit report mixed up with my sister and my sister has same First name and Last name, but different Middle name, different social security number and different date of birth. Therefore, they asked me to fax the copy of my ID and SSN. On the next day, I faxed all of my documents to them. However, I checked with them after three weeks later ( XX/XX/XXXX ) and they told me that they did n't receive it so they asked me to fax it again and check back after 48 hours. On XXXX, I checked back with them again, they said they still did n't get it and asked me to fax again with another fax numbers. Then they asked me to check back after 48 hours again. On XX/XX/XXXX, I called them again and then they told me that they did n't receive it and ask me to fax it again. On the same day, I mailed my document with express mail. On XX/XX/XXXX, I checked back with them, they said they did n't get my fax and they also told me that they need 7-10 business days to find my mail. Equifax is the only one Credit Union that did n't have my credit report. XXXX and XXXX both had my credit report and did not mix up my report with my sister. I really wonder how Equifax solve the problem of customers because they prefer customer to fax the document to them, but they never get the information from the fax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated 4 transfers of {$500.00} each to someone ( {$2000.00} total ). On my capital one mobile banking app, it shows the transfer is scheduled for the XXXX, and there's an option to cancel transfer ( as shown in screenshot2 ). Since the transfer were for some emergency, I cancelled all 4 transfers and paid the other party by another way. The charges then disappeared from my bank statement and money was returned to my account immediately ( as shown in screenshot 1 ). After nearly a month, on XX/XX/XXXX, 4 charges of " XXXX XXXX transfer '' of {$500.00} each suddenly popped up on my bank statement ( as shown in screenshot3 ). After calling capital one, they told me those transfers were still sent out on XX/XX/XXXX, but was not debited to my account. I told them I did cancel the transfers on the XXXX, and when I cancelled the transfers I never received a single notification notifying me that the transfer would still go out. The app clearly showed the cancellations were successful when I cancelled them. Had I had any warning cancellations are not guaranteed I would not have paid the other party again. After calling capital one multiple times, they admit this might be a technical issue with their mobile banking app but refuse to take responsibility for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX reports my mortgage was in collection and charged off which is not correct. Equifax has not investigated this matter properly. XXXX can not show me or Equifax any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Equifax shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Equifax with loan details showing I was not in collection and there was no negativity on my account. Equifax could also review past credit files to see XXXX never reported me negative until XX/XX/XXXX/XX/XX/2015 which is one year after I paid off the loan. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: OR
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: NV
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:
I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, Chase immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 
I was on the phone with Chase throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that Chase never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now Chase is paid off but I have a XXXX credit score? This is not right at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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: Information belongs to someone else

Complaint:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Please delete asap

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 2020-03-10
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original debt showed XXXX XXXX  for approximately XXXX dollars. Then sold to Resurgent/LVNV. I tried to dispute with no success so I settled with a party representing Resurgent/LVNV. I sent a copy of the Settlement Letter, Cashiers Check, and the Postal receipt showing it was delivered to Resurgent. They will not remove the debt out of Collections on my credit report and I received a letter from them saying the evidence was not sufficient.

Company response to consumer: Closed with explanation