BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for a Chase credit card, I am already an authorized user on my son 's Chase card. My wife is also an authorized user and we are the primary users of the card giving Chase from $ XXXX- {$3000.00} worth of business per month. We would like our own XXXX card. i have contacted them and explained the situation of my bankruptcy but they refuse to approve a card. My bankruptcy is over seven years old. I currently have extremely good credit and by all standards should easily be approved for the card. The bankruptcy which is over seven years old is the only derogatory mark on my entire credit record and I have multiple credit accounts that have never had a problem since my bankruptcy. I have been on Social Security XXXX for many years and am a XXXX veteran. our combined income is currently about $ XXXX/yr. My bankruptcy was caused primarily due to medical reasons possibly related to my military service and my house in Nevada was under water at the time. To prevent the loss of my house it was necessary to declare bankruptcy. I was probably one of the first recipients of a government HAMP mortgage which ended up saving our home. I have never even missed a mortgage payment. Student loans were included in the bankruptcy and the federal bankruptcy judge after presenting my case over a year and a half of submitting proof of my XXXX ruled that I was considered Totally and Permanently XXXX under the XXXX and the student loans were discharged. I have also been ruled as XXXX by a NJ XXXX XXXX judge in court after being examined by their doctor and the US Department of Education. I consider that they are in violation of the Americans with XXXX XXXX by discriminating against a XXXX person who was forced to declare bankruptcy because of his XXXX. I am considering also filing a complaint with the Department of Justice for violation of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

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 2019-06-08
Company: Experian Information Solutions 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 have been disputing my Date of First Delinquency ( DOFD ) for XXXX  XXXX XXXX for months with Experian. Experian is not correcting it after promising numerous times to remove the information manually. XXXX, a supervisor from the Texas office called me on XX/XX/XXXX and said he was persaonally removing the delinquencies manually right then, and they should take effect within 48-72 hours. A call on XX/XX/XXXX to XXXX, another supervisor from the XXXX XXXX office, said nothing was done and the notes were vague and only read " All concerns addressed ''. I have proof of this from XXXX XXXX XXXX which I am attaching. The DOFD is XX/XX/XXXX and the account was brought current in XX/XX/XXXX. Please correct the DOFD and remove all late payments for this account. 

XXXX XXXX XXXX is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. XXXX  XXXX XXXX is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories. 

Late payments, called delinquencies, are deleted seven years from the original delinquency date of the debt after which it was never again current ... If you miss three payments in a row, your account would be reported 90 days late. The seven-year period would begin with the first payment you missed in that series. All three payments would be deleted seven years from that date. The date is called the " original delinquency date, '' or sometimes the " date of first delinquency. '' Please correct the date of first delinquency to XX/XX/XXXX and remove all late payments in that series through 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 explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I am unable to get credit information while I am seriously concerned with identity theft from experian. Please inform me what to do.

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 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
on the transunion credit report it's reporting information and per usps the address they have on the account is a vacant building.

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 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
DATE XXXX-18 OVER 30 DAYS Tranunion, XXXX, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

XXXX  CERTIFIED MAIL # :XXXX XXXX. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.

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 2019-06-08
Company: EQUIFAX, INC.
State: IA
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:
My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: National Auto Lenders, 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:
When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/2020.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two validation letters by certified mail on XX/XX/XXXX and XX/XX/XXXX to Bay Area Receivables in XXXX, MD to receive proof that the debt of {$700.00} is actually mine. According to the FDCPA, I am entitled to request this information. I have received ZERO responses from the company and every month they are continuing to report this debt on my credit report.I am seeking legal action against them unless they remove this collection or send me some validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX, XXXX XXXX, and 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Toyota Financial Services Toyota Motor Credit XXXX XXXX XXXX XXXX, IA XXXX Account XXXX XX/XX/2012 Stole my down payment, didnt apply it to my purchase. I signed my car lease a week before. The company called me back up to say there was a problem with financing and I had to come back to resign papers. I contacted the company several times and it and they havent responded with the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: JPMORGAN CHASE & CO.
State: LA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I purchased, via my Chase Sapphire Preferred Card, a  wooden carving of the XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The amount paid was XXXX. -- rupees. When I unwrapped it at home, in early XXXX, I discovered XXXX XXXX had substituted a carving of inferior quality. 

I contacted Chase Sapphire immediately ( XX/XX/2018). I wanted to return the item ( at XXXX    XXXX 's expense ) and receive credit. I first contacted XXXX  XXXX, who denied the substitution. 

Several months later I received a call from XXXX, a Chase representative. She asked whether I still had the item ; I said I did, and was awaiting mailing instructions. I asked if I should return the item at that time ( at my own expense, to speed things along ). She advised me NOT to return the item. This telephone conversation was probably recorded. 

Over the following weeks I received a couple of telephone messages from XXXX. In both cases I missed her call. She was " unavailable '' when I returned the first call, so I left a message. In the other instance the return number she provided was " not in service '', and I could not leave a message. 

I then received a notice from Chase stating that my dispute had been settled in favor of the vendor, BECAUSE I HAD NOT RETURNED THE ITEM. When I contacted Chase, another Chase representative, XXXX, advised me to return it. I did this immediately, at my own expense. 

To " reopen '' my case, Chase required that I resubmit all documentation, via fax. The closest fax facility to my home is over forty miles away, round-trip. These documents were " lost '' by Chase, and I was told to resubmit them, again by fax. 

I last spoke to Chase a month ago. I was advised that my case is under review. My latest credit card statement, which I received about a week ago, still does not credit my account. 

It has now been eight months since my initial complaint. I was given conflicting instructions by Chase representatives. There was never a good-faith attempt, at any time, to contact me. The item was returned, at my expense ( approx. {$75.00} ) months ago. I have twice had the expense of faxing documents to Chase. I have had the trouble of two forty-mile round-trips to a fax facility. I have never received any documents from Chase that they are even working on the problem. I feel I am being given run-around by Chase representatives. 

I feel this matter will never be resolved, unless I register a complaint with you. I hope you can help me with this problem, and have my account credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25
Company: SECURITY FINANCE CORP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made a payment that brought my account up to good standing almost two weeks ago. My account was still reported with miss payments and the incorrect balance. Why wasnt my account reported months ago, if and when it went delinquent? Why just now for multiple months, months later hmmm.. Security Finance is obviously not keeping up with there books on a day to day, not even week to week basis because my payment would have been credited to my account and the report file to the credit bureaus would have be correct. Since my account was in good standing at the time of the miss payments & incorrect remaining balance was reported it is false and incorrect information being reported, when the loan party apparently feels like reporting on its clients credit reports.

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 2019-06-08
Company: Bass & Associates, P.C., Attorneys at Law
State: VA
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:
Bass and Associates has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a XXXX of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in  fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: IA
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:
My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX  balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my XXXX, XXXX, and Experian consumer report 's. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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