BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
RETALIATION / HARASSMENT/ UNFAIRNESS I, XXXX XXXX am filing a complaint against JP MORGAN CHASE BANK . I, have a car loan with this bank. On or about XX/XX/XXXX XXXX XXXX called JP Morgan Chase Bank to discuss the car loan and any late payments I was told by Chase Bank that someone would call me back. 

On XX/XX/XXXX I, XXXX XXXX called Chase Bank in reference of the car loan and also informing them that my bank shows that some of the payments loan has been paid. 
IN THE YEAR OF XXXX A SMALL CLAIMS COURT CITATION WAS FILED AGAINST CHASE BANK FOR THERE COMPANY CONSTANTLY CALLING MY HOUSE 4 TO 5 TIMES A DAY. IN RETURN THE COMPANY HAS BEEN DOING NOTHING BUT HARASSING XXXX XXXX AND IT APPEARS THEY WANT BACK THE CAR I HAVE BEEN PAYING A LOAN ON SINCE THE YEAR OF XXXX. IF ANY COMPANY IS GOING TO REPO A CAR I THOUGHT THEY SHOULD AT LEAST INFORM THEM IN WRITING OR EITHER CERTIFIED MAIL. I have checked with my bank and there are some payments that are not applied to this account. Chase Bank is doing this all because of RETALIATION against the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Investigation took more than 30 days

Complaint:
Good afternoon, I place a dispute with XXXX and Trans Union because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :

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 2020-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA HAS DESTROYED MY CREDIT. I HAVE BEEN DENIED CREDIT DUE TO UNRESOLVED ID THEFT. See attatched XX/XX/XXXX statement Balance owed {$470.00}. See attatched FRAUD LETTER CLAIM. dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX ( took ONE YEAR TO ** Complete Investigation ) UNAUTHORIZED {$470.00} transactions CREDITED. see attatched XX/XX/XXXX statement USAA ONLY PROVIDED {$59.00} CREDITS. ( **USAA HAS OWED ME {$410.00} FRAUD CREDITS SINCE XX/XX/XXXX & HAS DESTROYED MY EXCELLENT CREDIT SCORE. ** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: IL
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 Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an Auto Zone Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent.

The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.

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 2021-09-17
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, XXXX XXXX, XXXX XXXX, Synchrony Bank and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.

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 2020-04-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Reference : COINBASEs transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX the Company. The funds were transferred utilizing COINBASEs services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank robbery me a check of XXXX dollars more XXXX charged back fee. 
They are kidding with me, the check is from XXXX XXXX, it is not a bad check. 
I would like XXXX more XXXX dollars return to my account. 

account number 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 explanation
Consumer complaint received 2020-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 My credit was run twice, once through XXXX XXXX ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called XXXX XXXX and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.

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: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
This vehicle was returned under SCRA in XX/XX/2020. The vehicle has been grounded but they refuse to close my account. I call almost every week trying to figure out how to get this account closed and how to get it off my credit report, but Hyundai Motor Finance transfers me to department after department with no resolution. For almost seven months now, everyone I speak with promises that they will close the account but no one ever does. So I call back and the same thing happens with no resolution.

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 2020-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 payment arrangements monthly with capital one auto financial! 
I have successfully been making payments as scheduled per arrangements! 
However, I been sick since XX/XX/2020 with XXXX and hospitalized with complications! 
Im still off work waiting on income. 
Although my payment arrangements are still being met on time! Capitol one auto finance is continuing to report negative late payments thats hurting my credit scores. I called them to resolve the issue asking for respect and curtesy for XXXX reliefs! 
I was sent to escalation team and I was told to file a complaint that I was still considered late paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: CA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXeported Identity Theft ) - Fraudulently Opened XXXX XXXX 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. CHECK INTO C on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have disputed claim of debt owed to a company by name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Virginia Amount claimed to owe is XXXX. I have asked Equifax credit Reporting agency to thoroughly investigate this issue with this creditor. I have never had any financial obligations with the above mentioned company. The address that this creditor has on file, referencing to the billing statement is incorrect. I have never resided at an address listed on the bill. I have asked the creditor to supply me with a copy of the contract to myself as well as to Equifax credit report agency and they have not supplied any proof of verification to the credit report agency or to myself. Equifax has not investigated this issue within the allowable 30 day time period. This issue remains unverified. There is no documentation provided with a written contract to validate the alleged debt owed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Yes I've been getting letters from lien forcement that I've own an amount of {$3400.00} dollars and they are adding interest rates everyday witch they are not telling me the APR. I really don't got any contract with this company and also last two weeks I've received a call from them I don't know how they got my number. I ask them to send me proof of the vehicle that was sold they said the vehicle was sold for {$1000.00} and as today I call them to stop sending letters and dispute this charge they refused to dispute it and now they said the car was sold for {$600.00} I ask them to send me the bill of sale and the hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection on the XXXX  XXXX  XXXX XXXX  partial account number XXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-04-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Mastercard issued by Fifth Third Bank was cancelled without ANY notice given whatsoever. Not written, by Email or Phone notification. There was no balance on this card as I have not used in a couple of months but when I went to make a purchase card was declined. Not knowing why, I was unable to contact bank. I only realised after my credit reporting notified me the card account had been closed. Apparently this is the way the consumer is treated by these banks during the worst Pandemic in anyone 's lifetime. It is unconscionable and disgusting way be treated this way. These banks should be ashamed and embarrassed. I can only imagine how they treat their other customers who may be less financially stable then myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
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:
I asked to the credit report bureau verify the information in my credit report about the improper information with 4 accounts.

In according with the fair credit reporting act XXXX  4 accounts has violated my rights XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15  U.S.C 1681 section 602 A. States I have a 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX  XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX  XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX Acc # XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX  XX/XX/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 2019-11-18
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

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

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 2019-06-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase credit card offers show discounts when buying from a variety of vendors listed on their web/app. I opted for the one offer for 10 % discount when buying from XXXX XXXX. When that discount was not reflected on my statement, I went back to their discounts page and found that customers have to click on a link on each offer to read additional information related to the promotion. On that subsequent page and in very small print, I discovered the offer was limited to a maximum of {$50.00}. Most other offers from this bank prominently show discounts, usually 5 % to 10 %, but until you read the very fine print on a different page, customers discover the offers are topped at a very modest dollar amount, {$7.00} to {$50.00} each. I feel the bank has abused the trust I placed in them.

Company response to consumer: Closed with explanation