BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: DISCOVER BANK
State: PA
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 am a federally protected consumer who was discriminated and discouraged against by Discover and they are now in violation of the Equal Credit Opportunity Act as per federal law I can't be denied my right to extend credit. I will be reporting this matter to the XXXX. Discover discriminated against me on the lines of a consumer report that they had obtained from a consumer reporting agency a consumer report that I never gave consent to not authorized which is identity theft but also for taking such adverse action on the grounds of that consumer report obtained they are also in violation of XXXX XXXX XXXX that stated an adverse action does not include and can not include and be on the grounds of information obtained in a consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has an account on my credit that have no idea about. There is no acct listed, just a balance of {$210.00}. When I called Equifax, no one helped me get this matter resolved. This a clear violation of the FTC. Please also let Equifax know they are not following the FDCPA. How can I dispute something, if there is nothing to dispute? Please stop this travesty of justice from happening to me. I am tired of going back and forth with Equifax. This account is not on my XXXX or XXXX report. Please investigate this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my current mortgage with Quicken loans in XXXX. Being in the mortgage industry myself I understood that the turn times would be extended, so that is not the issue. I am a married woman ( on paper ) in Michigan. The home I am refinancing I purchased alone without my XXXX XXXX to leave an XXXX XXXX. He does not know where I live. During the refinance process it was brought to my attention that he would need to be at the closing, at which time I advised that he does not live in my home and has his own. Through coordination with the Title Company, XXXX, he completed a non home stead affidavit which was provided to Quicken on  XX/XX/XXXX. I received the CD to execute last week and there was a document explaining that they ( Quicken ) sent documentation on my mortgage to my XXXX XXXX home ( who is not on the loan or in title ) I  immediately contacted Quicken to ensure nothing with my address is sent to him, so as to not disrupt my XXXX XXXX at which time I was told it was already sent. So for the past 3 years I have not seen this man and 2 days ago he was on my door step XXXX me. This is not ok, not only is my XXXX XXXX at risk due to this error made by Quicken but also that of my family. I was supposed to close on this loan today and they have his name on the documentation. This complete incompetence it not acceptable. A Michigan based company should be well versed on the laws of the state as it pertains to who is required to sign on a mortgage and who is not. I went through the steps requested to ensure the non-homestead information that is required to confirm that the subject property is not his primary residence was obtained while maintaining my anonymity where he is concerned and Quicken has now provided him everything he needs to find us. I am in the process of obtaining legal counsel, so that if this man breaks in here and harms me that they know to come after Quicken, due to the incompetence and complete lack of understanding of the loan requirements in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Their investigation did not fix an error on your report

Complaint:
I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: MERFICAP, LLC
State: FL
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:
I had 2 years paying for my vehicle, and out of nowhere the financial company called Merficap repositioned the car a black XXXX XXXX XXXX I have not been able to get my car back and apart they have put a debt in my credit bureau. 

paid $ XXXX monthly and they have reported my credit for the total value of $ XXXX and aside an extra debt {$1300.00} These people who will send photos of evidence extorted XXXX $ extra to give me my car The owner of the company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I charged {$1000.00} for a deposit on a trip. Due to COVID, we cancelled the trip. In the meantime, I paid off this account and closed it because Chase Bank has some shady business practices. 

On XX/XX/XXXX, the tour company credited {$1000.00} back to this credit card even thought it was closed. I have confirmed through transaction ID XXXX that Chase Bank was the refund and will not return it to me. Inhave called them 7 times and because it isn't an active account, nobody retains the information. They make me start the process all over each time. I still do not have the refund. I want it returned with 24 % interest and late fees at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on my student loans for over eight years now. I started out with {$30000.00} of debt and still owe {$30000.00}. My payments were applied 100 % towards the interest and none towards the principal. When I figured out that was what Navient was doing I called and spoke with a customer service representative who told me I had to pay off all the interest first before anything would be applied to the principal. I asked why was I given a choice of how I wanted my payment applied when paying online and then applied differently and I was given the same answer. I told the customer service representative that I would never be able to pay my loans off if that was how they did it and I was told that it was Navients policy. I started off with nine student loans and have paid one off in full and still owe the same amount I did when I started paying ... .how is that even possible or fair??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2019-07-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At the beginning of XXXX XXXX saw an ad for a XXXX XXXX XXXX XXXX XXXX on a classified website called XXXX. I texted the number listed and talked to the guy selling the item in North Dakota. I told him i would pay for shipping as well. After going back and for on buying the machine i decided to buy it on the XXXX of XXXX. He suggested XXXX through XXXX to send him the money. I said ok, since he already sent me a video of the item and i talked to him on the phone to arrange the payment. After i sent the XXXX via XXXX, i tried to arrange a shipping date. He kept making excuses on why he was not going to be home. He even said he damaged the machine a bit while moving it and so on. I thought i had a date finally set, but then he had another excuse come up and was not able to be home. With 2 weeks already gone by, i finally said give me my money back. He never contacted me back after i wanted to get my money back. I contacted my bank and submitted a report in to my local police who should have contacted the police in XXXX North Dakota. I am including the transaction number of the XXXX transfer and all my text messages. I also have the negative response to my request with Suntrust bank to get my money back. 

My Bank said they could not do anything since the Moneytransfer went through. This does not make sense to me because it is not the matter of the money transfer actually working, it is that it was that i never got the item i was paying for with the money transfer This is a simple case of Fraud and i thought i was protected form that with my Bank.

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 2021-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.

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 2020-10-09
Company: EQUIFAX, INC.
State: OH
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:
The balance on this account is not correct as this account being reported as an Charge-OFF. As I can see the XXXX XXXX XXXX # XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX This is double " jeopardy '' and the credit agencies will be accountable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The balance on this account is not correct as this account being reported as an Charge-OFF. As I can see the XXXX XXXX XXXX # XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX This is double " jeopardy '' and the credit agencies will be accountable for it.

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 2019-01-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, Experian, XXXX. I am in the process of buying a home and I need access to my files asap.

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 2019-03-31
Company: Kimball, Tirey & St. John LLP
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My daughter and I lived at XXXX apartments for 3.5 years before moving. A move out walk through was verified for the afternoon of XX/XX/2016 but the manager left early, without notification, and the office was locked so we were unable to walk through together. I made my own list for the apartment and deposited the letter along with the keys in the drop box. My forwarding address and phone number were included. My last name has changed since then. 
The original creditor, XXXX XXXX, did not mail any type of notification to me although they had my forwarding address. A move out/closing statement was completed two months later, dated XX/XX/2016, which I received through the collection company, not the property manager.  CA law states landlords have 21 days to refund or send statement. I dispute most of their statement. 
XXXX, XXXX and XXXX XXXX violated the Fair Debt Collection Practices Act when they opened a negative account on each of my credit reporting accounts on XX/XX/2016, two days before mailing me a collection letter, dated XX/XX/2016 and 3 weeks after the walk through list was completed. I disputed their statement within the thirty days but did not receive additional correspondence. I assumed the matter was closed until I was notified by a kind person at my XXXX XXXX that I had a collection. I wrote another letter to KTS asking for removal from my credit reports and heard nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
IQ DATA INTERNATIONAL are threatening me and trying to collect a debt that i do not owe.Upon checking with the Texas secretary of state they are not even bonded to collect here. I sent in a letter of validation and they have not sent me back what i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: JPMORGAN CHASE & CO.
State: GA
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:
Been a loyal customer with Chase for several years and have always paid bill on time. Recently, the service has been terrible. Filed a Dispute back in XXXX for a charge that was not authorized on my card. Moreover the charge was put through from a card that I reported to Chase lost/stolen many months prior. It is now over XXXX days and there has been no progress. I receive endless text messages and emails from them asking me to contact them. I have complied and responded promptly but they keep asking the same information. To date, I have invested over XXXX hours on this dispute just on phone time with Chase. I have spoken to over 14 people and each give me a " different update each time. Their internal processes have got in the way of providing me with quality service and also protecting me. I have been bounced back and forth from the dispute division to the fraud division and most recently recoveries. I had to argue for a temporary credit simply because they could not make a decision as to where the issue should be investigated. I have provided more than adequate documentation to them including a chronology and text message screen shots with the merchant confirming the charge was erroneous. 

In short, Chase has failed to represent and protect me. They have delayed the investigation and I have become caught up in internal processes. 

I have also invested close to XXXX hours investigating this taking time from my day and job to bring this issue to closure with the merchant to no avail. 

I would like this to be objectively reviewed at a higher level and someone to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: NV
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:
the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am requesting that all of XXXX and Department of Education be lumped together and removed from my credit report. I, personally, have never made one payment. I was part of the class action suite along with the F.T.C. ( Federal Trade Commission ) against XXXX XXXX. Late payment discrepancies are not of my doing. I am requesting that all of this is removed from my credit report and that my score is more accurately reported. 
Reporting thirty three-plus negative payments over one account has adversely affected my life and future endeavors. 

PS : This is 10 yrs old!!

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 2018-12-04
Company: JPMORGAN CHASE & CO.
State: OH
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:
Around XX/XX/2018 I received a new chase card and made two purchases on it. Shortly after Chase randomly shut down my account. I asked for more information on what was going on and they wouldn't give me an answer. I am very disappointed with their customer service and lack of help with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Investigation took more than 30 days

Complaint:
According to 15usc 1611 XXXX XXXX and Equifax is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640. 

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment. 

Aslo, apologize. 

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau.

Cc : Attorneys General Office.

Cc : Better Business Bureau.

Cc : State Senate.

Cc : Federal Deposit Insurance Corporation.

Cc : Comptroller of the Currency.

Cc : Federal Reserve System.

Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency

Company response to consumer: Closed with explanation