BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I moved from the XXXX XXXX to the XXXX XXXX a few days ago for education. Because my current bank is not common in the XXXX XXXX, I decided to open a bank account with Chase. 

My checking account was opened on XX/XX/2021. I called Chase Customer Service about the {$220.00} signing bonus, as I was a student and did not have direct deposit or active income, apart from student loans. The customer service representative said that it was fine and I could receive the signing bonus regardless. 

On the morning of XX/XX/2021, I checked my account to find that Chase had suspended my account to " protect it from suspicious activity. '' When I called them in the evening, I was told that Chase had decided to cease all relations with me and would be closing my account. In addition, I was told that I would be banned from any and all Chase banks and blacklisted from opening any accounts with them further.

Since opening the account, I had not touched it. Despite asking for clarification, they refused to give me any information on what their reasoning was. I wish to know the reasoning, even a general one, for such a dramatic response.

As far as I know, I have a good credit score, have not missed any payments, have a completely clean record. I have ordered and seen my personal XXXX  report and there is nothing to justify their decision. 

If there was a mistake and my account was closed, I could understand, but I can not understand or accept a complete blacklist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This item with XXXX XXXX in the amount of {$4800.00} is reporting on my credit report. I sent validation to XXXX financial no response. The company that used XXXX called XXXX. XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX  to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor XXXX XXXX for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove 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 explanation
Consumer complaint received 2021-04-09
Company: Santander Consumer USA Holdings Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I received 2 alerts from my credit monitoring service that my credit was obtained from Santander and XXXX XXXX. I have tried to contact the agencies and they both deny the claim. I am not shopping for a new car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Refused for Fraud as Color of Law, Do Not Consent, Account Involved in Litigation as Colorable Cause and Jurisdiction Invocation for 15 USC 1692g ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), and 15 USC 1681e ( b ) : ATTN : Fraud Dept : Item Blocked Per Valid Copy of Policed Report Received Confirming Consumer is a Victim of Fraud Due to General Affidavit of Denial of Corporate Existence Judicial Notice : Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, No Contract, Not Contractually Liable, Not Responsible for Payments, Consumer to be Deleted, Third Party Collection Agencies Bankruptcy Petitions Have Filed Inaccurate Accounts Reported in Error, Cancelled and Returned to the Original Creditor, Removed from Credit Report, Have Been Confirmed as Fraudulent, Delete Due to Fraud, Can not Be Verified by Credit Grantor and/or Original Data Furnisher, Signature Rescission Caused by Inducement to Fraud, Clearfield Doctrine Colonialization Due to Violated 18 USC 157, 18 USC 156, 18 USC 155, 18 USC 154, 18 USC 153, and 18 USC 152 : You Have Not Supplied Proof Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I Presume that No Proof of the Alleged Debt, Nor Therefore Any Such Debt, in Fact Exists Due to United Nations Declaration AA222141. 

DELETE ENTIRE ACCOUNT DUE TO CONFIRMED FRAUD : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, DELETE ACCOUNT FROM BUREAU DUE TO FRAUD : Declaratory judgement counterclaim caused by character defamation, intellectual property infringement, adverse possession claim, and sedition due to colore officii as reckless disregard for reasonable articulable suspicion caused by misconducted commercial liability corporate malfeasance due to negligent public oath officer XXXX XXXX XXXX also known as XXXX, XXXX XXXX also known as XXXX XXXX XXXX impairment of the mental or emotional processes that exercise conscious control of one 's actions or of the ability to perceive or understand reality, which impairment substantially interferes with a person 's ability to meet the ordinary demands of living, regardless of etiology doing business as Chief Executive Officer doing business as Experian Information Solutions, Incorporated doing business as Experian, XXXX XXXX doing business as Experian XXXX XXXX, et XXXX, EMPLOYER IDENTIFICATION NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX XXXX report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from Midland credit company for a debt that was not mine from XXXX XXXX ( identity theft account ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX 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 explanation
Consumer complaint received 2017-06-17
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My payments are due on the   XXXX   of each month. Each month, my bank sends by " bill pay ' ', Caliber Home Loans a check on the   XXXX   of each month enough time for Caliber Home Loans  to process the payment before the  XXXX . I have documentation that shows recent payments were sent to their  XXXX   XXXX   and w as scanned in the mail by t he USPS. However, Caliber Home Loans is not processing them until after the late date, thus sending me late notices and charging late fees. Caliber tells me they must process payments within 24 hours, but are not. If they are picking up their mail, then the payments are sitting on someone 's desk. They say its my problem that they are not responsible for the  mail, but it is sent to them and I have no control over how many times they visit the  XXXX   XXXX   . Ev en if we mailed a personal check to them to their  XXXX   XXXX   by their direction, it appears that personal check would not be processed in a timely manner.    I am concerned they are reporting late payments to the credit bureaus and I do n't deserve this type of treatment since they own the above issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the period of  XXXX  and  XXXX  if this year my bank is not updating my  XXXX  app on deposits and transactions I have already authorized this app to have access through my bank

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 2021-04-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is removing positive accounts from my credit file. This practice by Equifax keeps my score low. Once a negative item falls off they remove a positive item. I opened an account with XXXX XXXX XXXX. The credit line reported to my Equifax credit report and one week later it was removed by Equifax. I contacted XXXX XXXX XXXX and they advised that they reported the item to Equifax and that they ( credit rent boost ) have no control over what Equifax decides to remove from someone's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has yet again sent me to another collection agency after me disputing it, the first dispute resulted in them removing the collection but have now put it back on my credit using a different company, I tried disputing it either new company called Diversified twice but they wont remove it, at first there was an amount of XXXX dollars now the amount doesnt show.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: WELLS FARGO & COMPANY
State: TX
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 noticed I had late payments on my Wells Fargo Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.

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 2021-10-12
Company: DISCOVER BANK
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In the summer of XXXX I agreed to co-sign a loan for 1 semester at XXXX  XXXX XXXX  for my nephew. Unbeknownst to me my nephew took out a loan for an entire school year. Two weeks later my nephew asked me to co-sign for an additional {$1000.00}. I told him no, my nephew then used the information that I had given him for the legitimate request to co-sign for 1 semester ( approx. {$2200.00}. ) to fraudulently obtain the additional {$1000.00}. I reported this to Discover Student Loans, and was advised by them to file a police report. When I tried to file a police report a sheriff at the XXXX XXXX XXXX XXXX XXXX  told me that because I willing gave my information to my nephew I could not file a police report, but that I would have to file a lawsuit. ( which I did do, on XX/XX/XXXX filed a small claims for {$1200.00}, which is {$1000.00}. plus interest ). my nephew paid me {$1200.00} and the court awarded me {$99.00} court cost. ) For the {$8600.00}. loan it was dismissed without prejudice because it was brought too soon. I did give my personal information to my nephew however he used it fraudulently to obtain loans for more than I agreed. I found out much later from the FTC that the XXXX XXXX XXXX XXXX XXXX  was incorrect with what they advised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning XXXX XXXX, on XXXX/XXXX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried reaching out to those who requested inquiry and was not successful.

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 2020-09-15
Company: KLS Financial Services, Inc
State: NC
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:
On XX/XX/2016 KLS Financial Services add a derogatory mark on my credit report per XXXX XXXX and XXXX  report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, KLS Financial Services has violated my rights as a consumer and I'm requesting legal action to remove this account 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 explanation
Consumer complaint received 2021-10-12
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:
I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to Transunion, XXXX, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old 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 2017-06-18
Company: EQUIFAX, INC.
State: MD
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:
My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
identity theft victim. this has been going on for sme time now. 

U S bankruptcy XX/XX/XXXX this is not mine. 

XXXX XXXX XXXX {$370.00} opened XX/XX/XXXX. not my account. THIS IS FRAUD

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 2019-05-20
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
contract date XX/XX/XXXX year XXXX term XXXX XXXX APR 15.2 payment amount {$700.00} amount financed {$32000.00} original finance charge {$17000.00} note amount {$50000.00} The problem is as follows : I made a large payment about four times. I asked them to pay the extra money towards principal. That was never done. i asked them to adjust the extra money and they refused. as you can see it states 15.2 per cent annually, however I found out that I also pay {$15.00} per day which equals {$32000.00} on top of the interest. This is a predatory loan and that amount was never stated when the car was financed. I am asking for the {$15.00}. per day to be credited to my account and taken of the life of the loan because it is predatory.

Company response to consumer: Closed with explanation