BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XXXX XX/XX/2019, I reapply for a chase credit card. It's 5 times in six months. My credit has been XXXX. I also have a checking account for 3 years. I called for reconsidering my credit but I was treated like garbage.

I have numerous credit cards in which are in excellent standing. 
According to them is a XXXX XXXX XXXX and XXXX card that shows delinquent. But i have proof that was paid in full months ago. 
I really feel discriminate because my credit improves from XXXX to XXXX and they always give me an excused. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit reporting agencies regarding inaccuracies on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The only investigation that was opened was my dispute sent in XXXX and ever since then, not a single investigation has started. 

I called TransUnion and had an in-depth conversation with a representative regarding my account. The only dispute investigations they have on file was the initial dispute letters they received on XX/XX/2020, and that's it. Not one investigation has been opened since and I have all of the tracking numbers to prove that they did in fact receive my letters. 

I have also not been able to talk to a representative from XXXX. Every phone number I can find doesn't give you the ability to speak with someone. I used the XXXX  app and website and haven't been notified about any disputes for several months either. Again, I have all of the tracking information to prove they received my letters. 

Below, you can see all of the tracking details for the letters I have mailed.

Round 1 TransUnion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 2 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 3 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 4 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 5 XXXX  : Date Sent XX/XX/2020 TransUnion : Date Sent XX/XX/2020

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 2023-05-02
Company: Experian Information Solutions Inc.
State: AR
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:
N accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction

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 2021-02-24
Company: Bliksum, LLC
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:
Loanme Inc, originated a loan in XXXX with me when they were not licensed under California XXXX XXXX to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. 
In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, Loanme inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a Loanme supervisor, the lates of XXXX were to be removed. I've attempted to resolve with Loanme and XXXX  to no avail for the last 2 years. 
I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/20 XXXX XXXX Bank returned my wire payment of {$25000.00} to my account at Bank of America. However it never appeared back in my account and now I have a claim open with Bank of America, claim # XXXX for almost 30 days at this point, keep calling them almost every day, multiple times a day and they do nothing, just lie to me. They keep promising that the analyst will call me in 24-48 hours which never happened. Nobody called me from Bank of America. On the XX/XX/20 my claim was finally escalated to the Bank of America supervisor XXXX XXXX XXXX, employee # XXXX and after providing him information from XXXX XXXX he finally confirmed that he now can see my returned wire payment of {$25000.00} at Bank of America and that it will be deposited to my account in 24-max 48 hours. Today is already XX/XX/20 and 48 hours have passed and my funds are still not back in my account. I called Bank of America today again and now they claim they don't see the funds. This is a joke. I'm very upset at this point, to see how a bank I've been a client of for about 30 years ( I have a business account there as well ) is lying to me and doesn't care about me. 
We also went in person to XXXX XXXX and the representative helped us to trace the returned wire and confirmed it was returned on XX/XX/20 to Bank of America to my account. The XXXX XXXX XXXX # XXXX, XXXX XXXX phone : XXXX, XXXX number for the returned wire transfer XXXX. Please see also the proof of the returned wire transfer from XXXX XXXX from XX/XX/20. 
I request my {$25000.00} to be released and credited to my account 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 monetary relief
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. XXXX XXXX has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my Equifax credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of  attachment titled " XXXX '' ) I am requesting that the account is deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company is in violation of multiple FDCPA laws. I have notified this company more than 45 days ago with a validation of debt letter. I sent a cease and desist letter to this company. I demand that this company cease all forms of communication with me through any and all mediums.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i seen this negative item on my credit report on XX/XX/2020 and sent SOUTH MS COLLECTIONS a letter on XX/XX/2020, asking them to verify the alleged debt or balance of {$2100.00}. the letter is attached to the complaint and the US CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: PA
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:
Good Morning Error was detected on my credit report and filed an investigation into the matter utilizing Experians online dispute portal Experian Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant. 
Despite no response from the company, Experian verified the information Experian has a duty to validate information, not pass the burden to the consumer This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to others and previous civil ligation, I have received zero correspondents from the original creditor. Company directly submitted information to credit bureaus without notification or validation and Experian continues to furnish and sell incorrect information which has caused negative impacts

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 2017-08-11
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I am a user on the website Coinbase. About a week about, on the day of XX/XX/XXXX, my account was temporarily disabled without notice or reason. I had a few hundred dollars of currency on there that I can no longer access. After submitting a case, they responded with " we have looked into the problem and are working with a specialist ''. From there, absolute silence.
I repeatedly asked for the reason why my account is disabled, and I 've gotten no answer. There 's no number for me to call nor is there actually any person to chat with. It 's just " submit a case and wait ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: General Motors Financial Company, Inc.
State: CO
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:
I have always paid my account on time every month thru the website that the company provided and i receive notice that they receive the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company and talking to them about removing the late pays as a courtesy after explaining the situation because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan # XXXX On XXXX XXXX we were notified by Quicken Loans that they would not be able to complete our loan unless more debt was paid off. We have emails stating what debt needed to be paid off and we did so. We also have emails stating where Quicken Loans stated they made a mistake on their end with calculating income. Unfortunately they did not figure out they made a mistake until just days before we were supposed to close on the home on XXXX XXXX. We did everything that Quicken Loans asked including paying off debt they stated needed to be paid and the mistakes kept happening on their end that greatly affected everyone involved ( realtors, buyers, sellers, title company, also leaving us in a situation with just days to try and find a new place to move my family into. We have via email where the loan was to be withdrawn and Quicken Loans is now stating they made a mistake with the verbiage and the loan was actually denied. I have that via email as well. We transferred the loan was to another lender but Quicken Loans will not change the status back to Withdrawn from denied so the lender can process our loan. Without the change the lender hands are tied and can't process the loan and again Quicken Loans is continuing to pour salt on the wound. All we are asking is for Quicken Loans to change the status back to withdrawn which it was supposed to be so my family can move on from this nightmare they have created. All we are asking is for Quicken Loans to change the status back to withdrawn so my new lender can process the loan on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed with. XXXX XXXX  a bankruptcy they deleted it so I disputed with XXXX  that they verify with them an thats how XXXX  have it I show them the proof an they sayin that they dont used XXXX  an XXXX  as proved but they did used them to add for my report doesnt make sense they dont want to deleted something that is been deleted it from who they used to verify that is XXXX  an XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Army and Air Force Exchange Service
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been barred from the control to to pay this company for years unless I went to an military installation to pay them. Due to my line of work which keeps me on the road my payment dates have been late XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Constantly going on a military post to make payments is never convenient. I called, mailed and ask them to fix this. This also had made my score go down with my payment history and has caused me to be in a position where I am not able to get a position or the loan I need because of they way it looks with this company payment history. All because they will not allow me to pay by electronic method buy forcing me to go out my way to the military installation to pay my bill when I can do it by online payment.

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 2020-10-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I opened account # XXXX with Toyota motor company and my son XXXX XXXX was the co-owner of the vehicle a 2009 XXXX XXXX. Unfortunately, I fell upon some financial hardship and a XXXX filed a XXXX XXXX bankruptcy. My son had never filed bankruptcy and has never filed bankruptcy. The XXXX was being paid monthly in the bankruptcy payment. In addition to those payments my son and I made additional payments which not only kept in line with both the original contract for the XXXX but also with the bankruptcy contract. 

We have the payoff letter and received the title to the vehicle. 

Essentially, the XXXX was paid in full before the contract end date. There was an over payment made that Toyota refused to return to me until I filed a report with the XXXX. 

Toyota is now reporting the Bankruptcy on my sons credit report. My son does not have a bankruptcy in his history. We contacted Toyota and asked them to adjust the information they are reporting to me sons credit and they refused. 

I am hoping you will be able to assist with this. Again, the vehicle was paid in full before the original contract or the chapter XXXX  contract date was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently mailed a certified dispute to Credit Collection Services ( attached ) received as of today after numerous disputes with the credit reporting agencies. After reviewing my report multiple times, it came to my attention that CCS was in direct violation of FDCPA 15 U.S Code 1692e ( 3 ) as well as 1692e ( 2a ) ; as explained and shown in the attachments below. I am demanding that this violation be removed from my report following investigation and CCS be held liable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation