BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I opened a XXXX dollar Chase Total Checking account on XX/XX/2018 from XXXX XXXX XXXX. Somehow my account escalated to a XXXX dollar prepaid account. I figured this was interest I earned from including Chase in my XXXX dollar XXXX account. However this money was used to make unauthorized buys and sells on my XXXX app called Chase Total Checking XXXX which in my opinion lessened the values of my XXXX considerably. After all, I started off making a fortune. Chase 's wi-fi got into my XXXX and possibly altered its configuration. In my XXXX XXXX XXXX  app it said that Chase would hold daily 10s of thousands of dollars payoffs to be held for 9 days and then paid to my account ending in XXXX. These payments never happened. Chase of XXXX XXXX, Texas informed me that my account was blocked due to insufficient funds and sent my gold to XXXX XXXX XXXX XXXX XXXX, New Jersey. I have the tracking numbers and account numbers of all of these transactions if you need them. I also have a print out of coin amounts, Merchant and Coin ID numbers. These coins are very valuable to me and I want them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On or about XX/XX/XXXX, I got an alert from the credit bureau of a late payment. I logged in to find out that BOA had reported a late charge on an account that is paid in full and has not been used since XXXX. I called BOA on that date and explained my situation that I was being charged a yearly fee including expressing that they had not sent me any correspondence/bill that anything was due. She explained that there might have been a mistake because the credit card I have does not require a yearly fee and that she would put in the dispute to have it removed. She also advised me to call on Monday because the collections department was not available. On Monday XX/XX/XXXX I called back to speak to someone in the collections department. After I explained the situation including what the representative told me on XXXX the XXXX, she said now a days this card does not have a yearly fee for me to pay it and that once it's investigated I would be credited. I did the payment and she in turn gave me a case ID and told me to call back on Thursday. I called back on XX/XX/XXXX and talked to another representative and he said that they have done their investigation and have come to a conclusion. I asked them when where they going to send me a notice of their conclusion and he said you should have gotten a notice already. But that their conclusion that they have denied my claim of having this 30 days late yearly fee stay on my report for another 7 years. 

I had asked him to speak to a supervisor because as he can see my payment history and the use of my card that I have never been late nor had I abused the credit I had with them. He said they have already made the conclusion and I would receive a letter in the mail. 

I have attached the following documents to this complaint XXXX. Letter XXXX. BOA Bill with highlighted yearly fee XXXX. Copy of a utility bill with proof of address XXXX. Copy of my ID

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 2021-03-07
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt which has a court ordered garnishment. I have asked for a balance and statement that shows what has been paid and what the balance is. I would like to see how the interest is being calculated. I have reached out to the company, but they have not sent me anything.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I signed up to send my daughter {$230.00}, I verified my identity by giving my social, address, name, phone number, email etc. Venmo, froze my account for absolutely no reason for demanding me to send my passport and ID to further compromise identity theft. I even still complied but blured out some of my important numbers and apparently that was not sufficient. They are a terribly rub company, the customer service is absolutely terrible and not knowledgeable and the people in charge of this take 7 days to get back via email. I would absolutely never recommend this company ro anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX 2023, I sent XXXX a letter to opt out, they have not complied.

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 2019-09-30
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To : Financial Consumer Protection Board From : XXXX XXXX Date : XX/XX/2019. 

Ref : Mortgage Loan To Whom It May Concern : My name is XXXX XXXX XXXX and I recently applied for a mortgage loan with Loan Depot. I sent in all my proof documents such as proof of salary, savings and credit report. I was granted a line of credit up to {$350000.00}. I located a property XXXX XXXX XXXX in XXXX XXXX   MD. XXXX. I signed a contract on XX/XX/2019 with {$3500.00} XXXX XXXX XXXX. My closing date was supposed to be XX/XX/2019. XXXX XXXX, Branch Manager for Loan Depot XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. Phone number XXXX XXXX and e-mail XXXX. Loan # XXXX. XXXX contact me one week  prior to closing with a lot of issues that werent issues but let me know that he was not going to approve my loan. The first, issue he raised was if I had the financing for the loan after I had sent him my bank statements. The second issue he raised was another loan that I have that is current and I havent had any issues with it. The third and final issue he raised with me was my credit report. My credit score is currently a XXXX I know it can be better, but this rating is supposed to be adequate to secure mortgage financing. Mr. XXXX did not want to rely on Mr. XXXX credit report, so he conducted a private investigation on me. His name of this investigation he told me was a fraud inquiry. He XXXX the Court House in XXXX XXXX to obtain the mortgage documents. He told me he located a property that I had owned three years ago and stated that I could not obtain FHA financing due to this issue. I have not received any correspondence regarding my loan status. I have not received a letter of denial. I work for the XXXX XXXX with a salary of {$140000.00} and it still appears I cant be treated fairly. 

I live in the state of Maryland, in the county of XXXX XXXX. The county was hit hard with foreclosures due to a lot of subprime loans being processed on the minority population. I was one of those people. I got out of my property approx. three years ago and secured financing to clean up my credit to hopefully one day enter back into home ownership. I feel I have been discriminated based on my race. This is in violation of the Fair Housing Act and the Equal Credit Opportunity Act. I feel I have suffered losses from trying to purchasing the property, the appraisal fee, and Inspection fee and time and emotional loss from being discriminated. Loan Depot and Mr. XXXX also violated the Privacy Act by informing Mr. XXXX real estate agent of the denied mortgage loan application before informing Mr. XXXX. 



Sincerely, XXXX XXXX XXXX XXXX XXXX cell XXXX XXXX cell XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
the investigation process was not conducted fairly, and no supporting documents were given to me to support their findings.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit 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 2021-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 I went to pay the down payment for my home to an XXXX XXXX who was part of a title company for the house I was going to buy in another state. Her title company was called XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX. Someone else was emailing me using XXXX title and header to get me to send the same amount to a wire transfer the same way that XXXX asked me to do the same. 

Bank name XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX Holders name XXXX XXXX Home address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX do XXXX I did a report email to the fbi fraud department, I called and emailed chase. Chase was no help and Im emailing you guys now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit 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 2022-05-03
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit 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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
They recently used credit card utilization to diminish my score and have in the past, also removing and adding a derogatory remark multiple times and then I was forced to call this company and pay them half of the balance to stop reporting it even after claiming this wasnt my account this was trans union, and XXXX they locked my account and caused multiple hard inquiries on my report after trying for a mortgage I I asked why my account was locked they said I requested it and when I said that I didnt and asked for proof and dates of me doing this and they couldnt give it to me, multiple times I tried to contact them I gave them all my information including new information about my loans and still couldnt verify my identity even though I gave them enough information to steal my identity, so I was forced to mail in paperwork, I cant stand talking to either bureaus because they dont even speak XXXX Im over this already Ive been trying for months to get a mortgage so I can put my family in a house but Im constantly battling these discriminating CD bureaus that make it impossible to get something in life. I was almost to a 700 score before all this happened its like I peaked out on there acceptance for a score ( it has to be so low ) so they had to figure out a way to knock me down. If u ask me what the downfall is in life its having to deal with the credit bureaus and knowing that Im going to be stuck renting a house for XXXX bucks a month to put my XXXX kids in instead of paying a XXXX XXXX dollar mortgage and do it the right way but no I have to be a slave for them and never get anywhere In life or own anything. I watch them like a hawk and Ill be the first one to tell you how corrupt they are its sickening

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: Nelnet, 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 information incorrect

Complaint:
Nelnet student loan XXXX is reporting 90 days late on my XXXX and XXXX report under 2 different loans. XXXX reports 90 days late for XX/XX/XXXX only ( month XXXX only has 31 days ) for both loans. XXXX is reporting both Nelnet loans 90 days late for XX/XX/XXXX only ( XXXX only has 30 days ). Nelnet student loan clearly reporting inaccurately on both credit reports. 1. XXXX XX/XX/XXXX both loans 90 days for XX/XX/XXXX only.2. XXXX reporting both loans 90 days late only for XX/XX/XXXX. So the month 90 days late reports different on both credit reports and for only 1 month cant have 90 days late. Both loans never late want updated to paid as agreed. This is causing severe extreme hardship on me. 
I have sent both credit bureaus dispute letters starting on :XXXX came back verified. Sent another Dispute letters out on XX/XX/XXXX came back verified. Send another dispute letters to both credit bureaus XX/XX/XXXX came back verified on XXXX and XXXX report, XXXX XXXX removed it. Send another dispute letters to the credit bureau on XX/XX/XXXX. I got no response started Disputing online with the Credit bureaus XX/XX/XXXX, XXXX, XX/XX/XXXX. XXXX refuses to re-investigate since XXXX XXXX. Just opened another dispute with XXXX for this month.

Company response to consumer: Closed with explanation