BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: JPMORGAN CHASE & CO.
State: PA
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 balance transfer

Complaint:
{$7900.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX   XXXX after funds hit my account. 

{$15000.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX    XXXX funds hit my account. 

{$6500.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested ( 5 ) XXXX XXXX 's for XXXX XXXX XXXX   XXXX after funds hit my account. 

The first ( 2 ) POs were approved to pull from the XXXX XXXX accounts. When they bounced, XXXX XXXX authorized me to put ANY fund necessary to accrue for the bounced funds and be properly paid through the JP Chase Account ending in XXXX. 

Purchased orders were given as well as a commission for my procurement project given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
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: Account status incorrect

Complaint:
I had ( 5 ) small student loans with XXXX and they were past due. I consolidated the loans and they were paid off in XXXX. This information was reported, however, they still have the past due loans on my credit report. Now they have the new loan owner and the ( 5 ) other loans are still listed in red. These loans need to be removed from my report, not only is it ruining my credit score, its ruining any chances of me getting approved for anything. This is very critical to me, my only child goes to college in XXXX, and my score is so low, I wouldn't be able to help pay for college. I have written letters to all 3 credit reporting agencies to no avail. I've written a letter to XXXX  as well. I need this information updated on my credit report, ASA possible!!!!

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 2020-09-14
Company: MoneyLion Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While attempting to purchase lunch on XX/XX/2020, my card was declined several times. After making a call to my bank, I was told that my identity needed to be verified. No prior contact by phone or mail was done about this matter. I have been with them for over a year with no issues. I was told by a supervisor that I needed to submit my ID and current bill, which was done immediately, and that the hold on my account would be lifted in 1-2 business days. Now as of today XX/XX/2020 I am being told that it will take up to 10 business days. I have no money because this is my only account, how can I continue to survive like this? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: GREAT LAKES
State: MO
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:
XXXX XXXX is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Cash Security, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I started receiving harassing and threatening phone calls and text messages from a guy who told one of my old coworkers we were old friends whom also lied to me when I asked who the person was and claimed we were friends.After several attempts to get the person to identify themselves he then said he was calling on behalf of a payday loan company and proceeded again to make threats towards myself and my family. I contacted the company and explained all of this to them and asked what was going on and they said i owed money and that was their processor. This loan was from 3 years ago and to my knowledge was paid off in full. i asked to speak to the manager that helped me and they refused to give me any information on the person, I later found out that person was let go from their job I began to explain I just came back into town nd no one has ever contacted me regarding this debt. the person began to cut me off and get very hostile over the phone, i explained all the documents I had I had to locate due to loss of item from a disaster. they refused to work with me and continued to have that guy threaten and harass me and my family, after explaining to the company I do not have a place to live, no vehicle due to the circumstances I'm going through and looking for a new job because right now I'm only making $ XXXX/hr and tried to get a settlement amount and I did not feel comfortable nor safe because of the threats from their processor their response was they don't care and he will continue to harass me. I complained to the district manager and that person was even ruder towards me and lied saying they would have someone else contact me. the next day that guy came into my work place causing a big scene threatening me and throwing papers at me then called me XXXX slurs. I am completely appalled and disgusted by these people and this company. i tried contacting the owners and they never returned my calls.

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 2018-01-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX I contacted Toyota Financial to see if the dealership had notified them that I returned the lease. The agent I spoke with told me they had not and I inquired about the disposition fee to which the agent told me " If you are billed for a disposition fee please call us and we will waive it based on the account history. '' XXXX comes around and I received a bill for over {$800.00} which Toyota Financial informed me consisted of the disposition fee and charges for tires. I replaced the old tires with brand new tires the day before I turned the lease in and when I told this to Toyota Financial they told me the charge was because the doughnut tire did not match the rest. They agreed this did not make any sense and agreed to waive the tire charges. However, they would not work with me when I attempted to discuss the disposition fee I was told I would not owe. 

Since then I have called back numerous times trying to speak with a manager/supervisor to which I am told none are available and they will not allow me to hold to speak to one and refused to call me back. I have repeatedly informed them of the conversation I had with their agent of XX/XX/XXXX and they do not care. 

I attempted to call today XX/XX/XXXX and was told that they can not pull the call I had with their agent on XX/XX/XXXX because it was with their customer service department and not their lease end department so there is nothing they can do. 

I informed them I am willing to start paying $ XXXX/month on this account as money is tight for me. They advised me I can pay that amount, but when the account is reviewed it will be sent to collections because their monthly minimum is $ XXXX/month. I work in XXXX and to the best of my knowledge it is absolutely illegal to send a customer who is making payments to collections and accounts can not be reported to a consumers credit when payments are actively being made. I relayed this information to the agent and she held firm with her $ XXXX/month or else I would be sent to collections. I wanted to get her saying this on a recorded line so I informed her she was now being recorded and she told me that she will not speak to me on a recorded line and eventually hung up on me. 

Toyota Financial is constantly calling me on auto dialers and when I answer they just hang up on me. Toyota financial is completely unethical and not customer service oriented. I and my family have owned Toyota 's since the early XXXX XXXX. We definitely will not be working with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to access my TransUnion credit file. I have contacted TransUnion several times concerning this matter and I keep getting told that my credit profile is suppressed and that someone will contact me to have this issue resolved. I am being denied the pursuit of home ownership, job advancement and other opportunities that require the use of my TransUnion credit profile. I am requesting someone look into this matter so that I may have access to my credit file.

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 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One XXXX This account is not mine. I was only added as an authorized user. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Received a phone call that I believe to be a scammer looking for info on Student Loans. She called from phone number XXXX ( Florida number ) and left a voicemail. She stated her name is XXXX XXXX she didn't state the name of a company she works for. She stated there would be changes to my student loan and that I needed to call her back to discuss my repayment options. The call back number she left is XXXX. She left me a reference number XXXX. This seems to be a scam because she didn't mention my name or who my loans are through. She had none of my personal info, but she was hoping that I would call her back to give her this information and likely force me to make payments towards some scam no associated with federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle XXXX XXXX XXXX XXXX XXXX Car purchased XX/XX/XXXX After repossession of vehicle balanced was first {$4200.00} reported on date XX/XX/XXXX First letter from Santander of settlement was sent XX/XX/XXXX of balance due {$2300.00} of 30 % that amount Debt sold to XXXX XXXX XXXX XXXX dated XX/XX/XXXX their balance is {$4500.00} and they want 40 % of that amount have letter from this company Santander sent letter on XX/XX/XXXX that the sold to XXXX XXXX XXXX, XXXX and the Principal Balance is {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, we ( my wife and I ) went to a Timeshare presentation provided by XXXX in XXXX XXXX by XXXX. 

XXXX. When the presentation was finished, we told the sale rep that we were not interested, and were just there for the gift. The sale rep played this game where she said okay, since you are not interested, let 's go ahead and finish the process and they can let us out of there with our gift. She went ahead with her tablet, asking us to put in our social security number and sign. I had a doubt, so I asked : " Are you performing any kind of hard pull ''. She said no, that was just for qualification check. She didn't say what qualification, therefore, based on what she said, we were just assuming she needs it to qualify us for the gift to get us out. 
Please note that in this whole process, she never even mentioned XXXX world called " credit card ''. Soon enough, we saw a hard pull on our credit. A few days later, a new credit card was made in our name. 

XXXX. Sure enough, we went on XXXX and search for this XXXX and found : Countless of people had the same problem where they applied for a credit card and performed hard credit check by tricking people. Please note that with a brand name behind their back ( XXXX ), it is very easy to trick people by manipulating their decision making. For example, If I go to XXXX Bank today to open a checking account, and If I have never gone to a bank before, XXXX could easily apply a credit card for us by telling us to provide SSN and ask us to " sign here '' in their tablet. Nowadays everything can be done electronically, and the signature page is only at the bottom or the last page. Therefore, they can just present us the signature page ( which is what XXXX did to us, they only shown us the signature page asking us to sign to be done ), and we are tricked because we think XXXX is a big company and they wouldn't do that. 

XXXX. Please note that this complaint is about fraudulent activity that XXXX did to manipulate and trick people to sign. This is proven by countless XXXX reviews from different time and clearly, it is not a coincident that many people had the same problem. XXXX knew about this and purposely did this to trick people to apply. We are applying for a loan, and I have more than XXXX credit cards in my name already ( with 0 % utilization ). I clearly know when I want to apply for a credit card and there is absolutely no reason or incentive whatsoever for both of us to apply for XXXX credit card there.

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 2018-01-24
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX my wife sent a same day wire from XXXX XXXX XXXX to Coinbase inc. in the sum of {$15000.00}. XXXX XXXX XXXX emailed a confirmation of successful send of wire. 

Attempted to contact ~20times XXXX and Coinbase customer service via email, support email, twitter, and phone. Coinbase responded ONE time on XX/XX/XXXX with an automated response not pertaining to my issue. 

Name of Coinbase account is seperate from Wife 's bank account name. This may be causing the issue. If that is the case, we need a resolution to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Thaxton Investment Corporation
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:
Since XX/XX/2021, I sent three letters to Quick Credit demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX a property tax sale sign was placed in my yard, stating my home will be sold on the courthouse steps on XXXX. However, I have a FHA mortgage with Freedom Mortgage Corporation and my property taxes are escrowed and paid each month when I pay my mortgage payment. I've had my mortgage with Freedom Mortgage Corporation for almost five years and I've never been late paying my mortgage payment. When I saw the property tax sale sign in my yard this afternoon, I immediately called my County Property Tax Office and they informed me that they still haven't received my property tax payment for tax yearXX/XX/XXXX. So, I immediately called Freedom Mortgage Corporation this afternoon to inform them that my County Property Tax Office said they still haven't received my property tax payment for tax year XX/XX/XXXX and that my property taxes were due by XXXX. I had also called Freedom Mortgage Corporation numerous times early this year regarding them not paying my property taxes and Freedom Mortgage Corporation said they would process my property tax payment immediately and assured me they would mail the payment asap. Freedom Mortgage Corporation withdrew my escrow payment out of my escrow account on XXXX and was supposed to mail the payment on XXXX. However, still to this date, Freedom Mortgage Corporation has not paid my property taxes for tax year XX/XX/XXXX and they never called me or notified me at all that they were still delinquent in paying my property taxes for tax yearXX/XX/XXXX. Nor did I receive any new notices from my Property Tax Office before the tax sale sign was placed in my yard today. Freedom Mortgage said I can redeem my home after it sells on the courthouse steps on XXXX which is absolutely ridiculous, because I didn't fail to pay my property taxes, Freedom Mortgage Corporation failed to pay my property taxes for tax year XX/XX/XXXX. My house shouldn't be sold at all on the courthouse steps at the property tax sale on XXXX due to their negligence. Now, I'm about to lose my home if Freedom Mortgage Corporation does not pay my property taxes for tax year XX/XX/XXXX in the amount of approximately {$3700.00} by end of business day tomorrow ( XXXX ) in the form of a bank cashiers check to My County Property Tax Office.

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