BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit (DOMMA) is to assert my command that you,as regulated, produce physically counters fer federal 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accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record.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 of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victim’s 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 2019-03-06
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Final payment posted to our account XX/XX/XXXX. The account history shows a refund of {$3500.00} posted on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status & was told allow 10 days due to the amount. I called again on XX/XX/XXXX and was advised it is 10 business days which should make the release date XX/XX/XXXX. I called on XX/XX/XXXX and was told it released on XX/XX/XXXX. Today is 28 days since the account was paid. The lien release was received on XX/XX/XXXX. We want our over-payment, plus interest, refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account # on these accounts is XXXX XXXX XXXX Trident asset management- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I received a letter from Chrysler Capital / Santander Consumer USA Inc dated XX/XX/XXXX that stated " Chrysler Capital does not perform goodwill or courtesy requests to remove accurately reported negative information from your credit report '' ( as shown in attachment ) after I filed my dispute concerning my rights under the FCRA. I inform Chrysler Capital that the information they was reporting was diminishing the value of my consumer credit report and needed them to block and remove it immediately. On or around XX/XX/XXXX I talked to Chrysler Capital / Santander Consumer USA Inc. fraud department and spoke with representatives " XXXX '' employee ID # XXXX and " XXXX '' employee ID # XXXX both XXXX and XXXX had horrible customer service, rude, was yelling thru the phone and using profane language.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX/XXXX/2017 I checked my credit card account online and saw an unusual charge of {$1200.00} had posted that day from a store I had never heard of. I called Citicards to inform them of a fraudulent charge. The agent said it was ok to keep the card open and I wo n't be responsible for this amount.
The next day I got an automated call from Citicards fraud system asking about a suspicious charge of {$1800.00} at another store. I responded that it was fraud and the card was terminated. An agent called and issued me a new card.
Four days later I checked my account and saw that the first charge from XX/XX/XXXXfor {$1200.00} was added to my credit card balance. I chatted with citicards online and the agent said nothing was done with this amount as far as disputes or flags go. He put in the dispute wrong as " goods or services not as expected ''. I called Citi on the phone and after several transfers got connected to a higher-up who said the whole thing is now a mess and should not have happened this way. The card should have been shut off the first time I called the charges reversed. He was going to do some paperwork on it and it will be a while until it 's resolved but it will be fixed.
Two days later I get a dispute letter from Citicards in my email needing a signature. I dispute letter says : Reason for dispute- Goods or Services not as Expeted. I respond to the email stating that I wo n't sign the document because it is wrong. The goods or services were never even purchased by me, it was fraud.
A few days pass and I get another email from Citicards with a new dispute letter that has a blank line for reason for dispute. I fill it in with " fraudulent charges '' and sign it, mail it, and hope for the best.
Today, a month later I get an email from Citicards saying the dispute was in favor of the merchant and I will be responsible for paying the {$1200.00}. I call Citicards a few different times throughout the night and get all different explanations on how their dispute system works and how they do their investigations and get completely different answers for each person I talk to. The guy in disputes says that fraud charges do n't get disputed, they get flagged. The guy in fraud says fraud charges get disputed.
Not once during their " investigation '' did they contact me for anything other than a signature.

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 monetary relief
Consumer complaint received 2022-08-14
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Failed to validate debt. 
Specifically, you : DISCOVER BANK ( {$190.00} ) ( {$310.00} ) you are in Violation of reporting accounts especially with different amounts if this account is charged off. 
-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE. I expect to receive the proof I requested above, within 15 days of this letter. Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus. Each Agency is reporting different days, times, absurd comments I have never made, reporting a balance on a charged off account which is a FCRA violation, and your report lacks complete accuracy. This is not professional at all, and it is against the law to report incorrect information. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I was never late!!! This is a charge off that I paid off. I should not have any recent lates reporting. This is a violation and I am requesting that XXXX fixes this 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 2017-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

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 2018-01-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
American Express has been letting a ring of thieves charge my old card number which expired years ago. They have submitted thousands of charges that appear as non-US XXXX locations on my bill, that appear to be either from XXXX, the XXXX, XXXX XXXX, etc. I have spent 50+ hours since XX/XX/XXXX on the phone with Amex Customer Service and Amex Fraud Dept . They can not get the amount of the credits right. They credited me {$770.00} for the XX/XX/XXXX-XX/XX/XXXX statement, but the fraudulent charges are more than {$2100.00} on my bill. I need your organization to make them stop the insanity of this and do a full audit on all of the fraudulent charges, and give me the full amount of credits that I deserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: GA
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'm writing this complaint to address a response that I received from chase bank via mail. I submitted a complaint to the CFPB about Chase Bank obtaining my consumer report without a permissible purpose or consent from me the consumer. this is my final attempt to settle before I escalate this matter to arbitration. Chase Bank has in fact admitted to being guilty of XXXX count of obtaining my consumer report under false pretenses and without consent from me the consumer. CHASE BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. chase bank committed identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( XXXX ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. CHASE BANK ( JPMCB CARD SERVICES ) obtained my consumer report under false pretenses and without written consent and have admitted to this crime in their response to my complaint and they shall now be held liable. They responding letting me know that they asked the CRA to update the inquiry on my report, but there still was no permissible purpose or consent given to them from me the consumer to obtain a copy of my consumer report. they were supposed to conduct a permissible purposes audit but have failed to do this and provide me with any results. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; chase bank is in violation of 15 U.S. Code 1681q and 15 usc 1681b ( XXXX ) and 1643 of this title unauthorized use of a credit card which is defined as my social security number. under title 15 usc 1602

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear CFPB, I desperately need your help. I'm being neglected by Experian, XXXX, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted 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 2018-01-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were told by a BBVA Compass bank loan officer that we can apply for a cashout refinance mortgage on the type of property we own. They charged us {$520.00} for an inspection upfront but at the last minute they canceled the inspection because they decided they did not want to refinance our type of property. They promised us a refund but they never refunded our money. It has been more than 4 months. We have called, texted and emailed several times about it but they are not responding to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 have several inquiries on my transunion and XXXX and XXXX  report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are 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 2018-01-08
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX 2017, I reported that my Coinbase account was compromised because a XXXX dollar buy order for Bitcoin was made, but it was not made by me. Because I reported this, Coinbase " temporarily '' locked my account that day so that no outgoing transactions could be made, which means that buy order still processed and XXXX dollars was taken from my bank account, and then added to my Coinbase account in the amount of roughly XXXX Bitcoin. 

I have since figured out what happened to my account ( on my own ) and have requested that Coinbase unlock it so that I can log back into it and properly manage it like I always have. Or, at the very least, I have asked them to send me the Bitcoin that is rightfully mine ( since it is in my account ) so that I can get my XXXX dollars back, or at least the bitcoin equivalent of it. 

I made this request by replying only a few hours later to the email ticket I had opened on the XX/XX/XXXX,  asking them to give me access back to my account. I never heard anything form them for over a week, thats when I made my first call to their support line that you have to wait on the phone for 30-60 minutes to speak to anyone. Doing this did not help at all as I could get no actual details about my case from them, and was basically told to keep waiting. I have been waiting for 5 weeks now and have made many more calls to their support line expressing my frustration and trying to get information, and yet I can not get any details of what is going on. The people on the support line have told me that these cases normally take under 10 days to resolve, but my case has not even gotten a response with any detail about actions they are taking to resolve it, not a single word. I am demanding Coinbase unlock my account so I can access it, as it has important money locked in it that belongs to me. During my last phone call with them a few days ago support at least made a note on my ticket as seen in my attachments, basically just saying for me to continue to wait and to stop replying to the email ticket ... .but once again, no actual detail or estimated time given on when I will have my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: ARVEST BANK GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXXWe were lured into a negative amortization loan, as we are not mortgage experts. 5 years later, in XX/XX/XXXX when our mortgage increased by XXXX per month ( XXXX to XXXX ) we tried to sell our home. We were not successful because this was when the housing market crashed. Then we approached our mortgage company for a loan modification. They denied us. After making 1 payment, We were unable to continue to pay XXXX a month so we stopped paying our mortgage. Through all the court dates, in XX/XX/XXXX our mortgage company offered us a payment plan of XXXX per month. We were able to make that payment for 6 months at which point, our mortgage company increased the mortgage to XXXX. At that point we could no longer continue that payment. We have met with mediators and lawyers and continue to try and get a modification for loan. I have been a teacher for 32 years in a priority school district and my husband is XXXX. We have XXXX children ages XXXX-XXXX. We have been asking XXXX XXXX XXXX for help us find a reasonable payment to stay in our home. We built this home with money that we saved for many years. We are not trying to avoid paying our debt, we just need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX, and XX/XX/12 I made deposits to cover my account according to what the account showed in real time. Now I didnt realize that this bank do not put in the overdraft fees in pending. Therefore didnt know I had these fees til they post. What they did was take their fees and returned my echeck to XXXX and charged me a returned check fee. Huntington caused my account to bounced and caused XXXX to locked my account! Now this echeck will be presented in a few days because of their mistake. Meanwhile {$360.00} has been taken in fees.

Company response to consumer: Closed with monetary relief