BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
For the credit card issued by XXXX XXXX XXXX, ( 1 ) Give me the details of all answers submitted by your employee named XXXX, for issuance of this credit card. It is my information and therefore it is my right to know my own information, which have been submitted not by me, but submitted by the bank employee. ( 2 )  Even after around 10 months of credit card usage, my XXXX score is still not available. See attached XXXX score screenshot, clicked in my XXXX  XXXX XXXX 's mobile application. I have complained many times to branch at XXXX XXXX XXXX, CFPB, bank 's customer care, Bank 's credit card department but nothing worked out as XXXX XXXX XXXX is extremely busy to practice illegally and with no business ethics. Bank 's motto seems to cheat new customers on the fake promise of good service. Once the prey signs the document, no one listens to that victim customer because the motive of cheating is achieved. And this way, I am still not getting my XXXX score as no one listens to my complaint in XXXX XXXXXXXX XXXX. Kindly give me the details of all answers typed by the XXXX ( XXXX  XXXX XXXX employee ), because I am sure he must have done some blunder and therefore even after using credit card for around 10 months, paying the bills on time every month, my XXXX score is not available anywhere.

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 2018-04-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Chase Bank notified me by mail that the Bank will close my credit card ending XXXX on XX/XX/XXXX for the reason " continuing the relationship creates possible reputational risk to the company ''. This is puzzling to me as the account is in good standing, furthermore, my credit score is over 800, and my credit report shows no derogatory records of any kind. Calling the number they provided gave me no further information. I have attached here the letter I sent to Chase on XX/XX/XXXX. Chase had also denied my credit card application in XX/XX/XXXX. I had also opened a Chase checking and a separate savings account on XX/XX/XXXX with total deposit of {$450000.00}. After 2 weeks they froze the account and gave back my money. I have attached here the 2 inquiry letters I sent to Chase ( dated XX/XX/XXXX and XX/XX/XXXX ) and Chase 's response on XX/XX/XXXX which stated " previous unsatisfactory relationship with the bank ''. The problem is I have never had any problem with Chase or any other bank. AT this moment I still have 2 Chase Cards. Chase simply would not tell me what the problem is. I would like a chance to find out and address any problems, be it a misunderstanding or mistaken identity. I would really like to find out and address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. WILSHIRECNS XXXX {$2600.00} AWACOLLECT XXXX {$63.00} LVNVFUNDING XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I called XXXX, after getting the telephone number off their website on the computer. I talked to a guy who told me that I was over-charged for item / items and I '' ve an refund coming to my account. He told me he had to do a remote sharing on my computer with me to deposit the refund. When he was on my computer, he started down-loading XXXX Gift Cards ( {$60.00}, {$40.00}, {$30.00} ) XXXX 'XXXX  amount {$130.00}. Chase says the amount is {$160.00} is what's owes? I went to Chase Bank office twice, once in XXXX and once in XXXX of 2020. Back in XXXX I talked to a banker at the bank who told me not to worry about it I did not have to pay it and gave me a print-out of XXXX- balance. That night I checked my Chase/XXXX   account that said XXXX- balance, I also recevied a letter from Chase saying " The Fraud Department rules in your favor in this matter, this is XX/XX/2020. In XX/XX/2020 I received a letter from Chase informing me that I owed {$160.00} for the purchase of XXXX Gift Cards. I went to Chase Bank, talked to the Banker a second time along with his boss about the matter. They said " they don't know why this is happening to me? " At this point, it's time to get some Third Party Assistance, CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was XXXX, I had gap insurance with them as well and my insurance company was 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 2020-09-01
Company: Riverwalk Financial Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, Deville Asset Management placed a collection account on my credit report for {$5700.00}. Prior to this account appearing on my credit report, I did not receive a notification of my right to dispute. They claim that they did not have to send me any notice, because the original creditor had already been reporting this account on my credit report. What the original creditor reported on my credit report has no bearing on what a collection agency puts on my credit report. They are still bound by the laws of the Fair Debt Collection Practices Act, and they are violating my rights under federal law. Furthermore, I don't even owe any money to the company they claim to be collecting for. I called them directly myself, and they show my balance as {$0.00}, and they report it as {$0.00} on my credit report. Deville has not once given me the opportunity to contest the debt, and they continue to violate multiple state and federal collection laws daily.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-09
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2019 a man by the name of XXXX flashes a flash light in horizontal gestures outside my home. As we live in a high car breaking area I think some one is trying to break into my husbands car as it happened once already in the previous months. I look outside my window and I go outside he states he is here for my vehicle that is secured not once did he mentioned who he worked for and he told us his first name after we asked him. Since our initial conversation he stated that if I did not open the gate he would have police involved to have me arrested immediately for trying to deny him access to the vehicle. He said even though I was not legally the owner of the vehicle that he could still have me arrested and gave me a penal code that I do not remember about a it becoming a felony when we tried asking him more questions he kept saying that he should have already called the cops on us and that he was being nice guy already. He also said that he didnt want to call the cops because that meant they would have to look in my house and if I had something that I shouldnt have even if I was just house sitting or something like that I would be the one at fault and I would be the one arrested. I told him I had nothing to hide that was not an issue. 
XX/XX/19 My husband called the lender and they told him they were not authorized to give him any information.

XX/XX/19 My husband calls again the lender and will not disclose any information as to how we are able to get the vehicle back.

XX/XX/19 I become involved and try to get information as they are now asking for a credit application in my name but they refuse to give any information as to why they want me to give them my personal information. 
As of this date it has been past 48 and we have not received a Notice of Seizure or any information as to how we may retrieve the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: U.S. BANCORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have received Alert from XXXX that change decided on my report, then i looked found unauthorized Hard Inquiry left by US BANK this is a fraud on my credit, so right away i add fraud alert on my credit and freeze credit with XXXX and XXXX this below information has left on my credit its Unautorized Inquiry A new inquiry has appeared on your credit report. 
Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name US BANK Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX XXXX, XXXX, MN, 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 2019-08-09
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Speedy cash took {$1900.00} out of my account without my permission. A ACH letter is on file with the company Company admitted they made a mistake but left me without any money until the amount can be put back in my account which is 3-5 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a phone call from this company XXXX XXXX XXXX from phone number XXXX. He did not state who he was with right away when I asked. He asked if this was XXXX and I said that is correct. He then told me who he was but did not tell me he was trying to collect on a debt that I am not aware about. I asked him to send this information in the mail and then he got nasty with me and told me to go XXXX myself and that he will let them know I am not willing to corporate and hung up on me. They call crazy hours like XXXX central time. This took place on XX/XX/2018 at XXXX XXXX. I then proceeded to call company back and told them I wanted to speak to a supervisor. The supervisor was rather rude and was explaining to me that they do not have to provide documentation about this debt. I asked him to send to me in US mail and he was rude about it. He also stated to me that this is my account and he does not need to send this information. I said to him that according to the Federal Reporting Act he does by law. He then hung up. I do not feel this is good practices for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I finally closed on my 15yr fixed refinance loan with Quicken Loans / Rocket Mortgage on XX/XX/XXXX after a horrific loan process. XXXX 's changed my loan amount twice without notifying me, XXXX XXXX could not analyzing bank statements to determine liquid funds, closing was originally scheduled for XX/XX/XXXX but was moved to the XXXX without notification. I just happened to log into the account when no one came on the XXXX and saw it was moved to the XXXX. I never spoke to my banker after the day the application was taken. But on XX/XX/XXXX I finally close and the loan is supposed to disburse on XX/XX/XXXX and it does not. I get no notification of what the issue is causing the delay in disbursement until XX/XX/XXXX when I call in after I get a notification from my previous lender that my loan is not 30 days late. After the conversation on why my loan did not funds on time and why i was not notified of the delay the excuse given to me was they are behind on work at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: CA
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:
Someone open a XXXX and XXXX  accounts in my name. And experian let someone pay for a monthly subscription in my name with my information. There are phone numbers and addresses I have never had.

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 2019-08-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was approved for IDR plan today XX/XX/2019 ; however I received two confirmations with conflicting messages. In an email, which I will include in this complaint, states that I now have a monthly payment of {$0.00} which I need to recertify annually. This is fair and makes sense. I then received a Pdf attachment from a secure email, stating that i have a monthly payment of {$260.00} due on XX/XX/2019. What plan am I on? If I have no income, why am I now owing {$260.00}? 

Please help sort out this confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I paid XXXX  XXXX the amount in collections of XXXX on account XXXX on my debit card on XX/XX/2020 the funds where released from my bank. XXXX XXXX send me a paid in full email and stated that they would contact IC System to remove me from collections. 2 months later IC Systems still have nor removed or updated there system that the balance is paid in full. 
I have call them and sent them the payment letter. On XX/XX/2020 I again called IC System and they tell me they will not remove it until XXXX   lets them know I asked can you just call to verify I a as told no. I called XXXX who stated the bill is paid and IC System was made aware on XX/XX/2020 through there computer system. I spoke to XXXX XXXX at IC System and XXXX XXXX the supervisor

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

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 2021-06-22
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$7000.00}, {$8100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.

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