BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a house that closed on X/X/17. My title company mailed a payoff check to Chase Auto Finance on X/XX/17 for my XXXX XXXX XXXX. I continued to get calls from Chase regarding a late payment. I called Chase on X/XX/17 twice and spoke with customer service who informed me that no check had been received or posted. I then called my title company who put a stop payment on the check, issued another one, and sent it overnight with a signature required that was signed for by Chase on X/XX/17. On X/XX/17, after my calls to customer service, Chase posted the first check which had the stop payment on it. The check was returned as invalid and Chase reported to my credit that my account was 30 days late. As well, the refund they issued me was also stopped and I was charged a fee by my bank. On X/X/17, I called Chase and spoke with supervisor XXXX who told me the check had been received on X/XX/17 and he was not sure why on X/XX/17 I was told it was not received. I then called my title company and initiated a three way call with myself, the title employee, and XXXX to find out the status of the check issued, and signed for, on X/XX/17. XXXX could not see that any check had been received on X/XX/17 despite it being signed for by an employee of Chase. He explained that there was no way to call the mailroom to find out and no way to check the status of the check. He explained that it took 24-48 hours to reflect once a check had been received. As it was now X/X/17 and the second check appeared to be lost, the title company employee confirmed with XXXX that she could go into a Chase local branch and pay the loan so she put a stop payment on the second check on XXXX and went into the branch on X/X/17, paid the loan off and received a receipt. Today, X/XX/17, I spoke with XXXX  who told me he " had bad news '' and that on the same day, X/X/17, the payment was being made in person by the title company employee, the second check had posted to the account. He told me that this made the payment made in person on the same day " invalid '' and that since a stop payment had been issued on the second check, we would need to wait until it bounced back to start all over again. This also meant that the second refund they had sent to me, which was {$30.00} less than the first one, would also be stopped again. I asked him if he could assure me I would not have a 60 day late reported to my credit and he said he was unable to have any control of that. When I asked if I was able to speak to someone higher than his position, he told me the only other way to speak to someone was to " maybe call the executive offices ''. I am at wits end and my credit and emotional stability have suffered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

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 2021-02-03
Company: Experian Information Solutions Inc.
State: GA
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 have had my identity stolen and I have contact the police and received a report and sent it to both XXXX and XXXX XXXX. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale

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 2020-09-05
Company: JPMORGAN CHASE & CO.
State: CA
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/XXXX, I went to a merchant to make purchases on Chase credit card. At that time, I was not aware he was a fake doctor, giving illegal medical advice, and selling products. Later that day, I talked to him on the phone about my finding and returned the products two days later. I contacted Chase Bank to dispute charges at the same time. Chase Bank Dispute Dept. credited my account, so I closed the card in XX/XX/XXXX. But I found the charges came back in XX/XX/XXXXstatement with the new credit card number that I had never received. I called Chase Bank, the supervisor told me the charges were fromXX/XX/XXXX, because the seller told the Bank he did not talk to me, and he was not sure if the products were returned, so he would not refund. It was a lie. But Chase Bank believed and paid him. The supervisor explained they sent me an electronic letter on XX/XX/XXXX to request the proof of returned products. I told her I did not receive the letter at all, otherwise I would have provided all the evidences. Also, I told her I did not have online access to that account anymore at that time because the account was closed. How was I supposed to get the letter she talked about? She said she could not re-open the case because it's passed the timeframe. Then she hung up on me. It was so rude. It's definitely a negligence from the bank since they did not acknowledge or re-verify with me for the fraudster 's charges of total of {$2900.00}. 

I submitted a letter onXX/XX/XXXX to Chase Bank Compliant Escalation with all the evidences I have with the seller including text conversations and proof of returns on XX/XX/XXXX andXX/XX/XXXX. 

I am not going to pay the charges because Chase Bank paid the merchant without my authorization or confirmation. I am requesting that the errors be corrected, that any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of documentation supporting my position and experience. You could see the adjustments made on 4 statements from Chase Bank that had never been correct. 

I have been with Chase Bank for more than 8 years, always been a good customer, receiving good and pleasant services. But now I am shocked and traumatized so I am complaining Chase Bank had a lack of procedures in place that are designed to provide me with rights and protections against fraud, misuse and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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: Account status incorrect

Complaint:
This loan was traded in and I was taken off the old loan and it still shows as an open loan but it is closed.

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 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In XXXX, I received a notification from all three credit bureaus that Capital One had reported that my credit card payment for XXXX was considered 30 days late. However, this was not the case. I never missed a payment. I contacted Capital One on several occasions and was sent to several departments, all of which could not see the delinquency ( late payment ) on my account. They all confirmed that my account has been current in its whole existence. They said I could just dispute it to the credit bureaus and it would be fine. 

However, I have disputed it to all three and all three bureaus have said that the information sent to them by their data furnisher is accurate. Now my only option is for Capital One to figure out what's going on on their end. My credit score has dropped a considerable number, this is my ONLY missed payment across MANY accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received letter on account from a bank I do not do business with stating thank you for your new checking account. Account was opened XX/XX/XXXX online in my name. I Closed account with bank. Filing report with fraud department, SS and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 XXXX reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?

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 2020-07-20
Company: EQUIFAX, INC.
State: AR
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 first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The auto company is continuing to report this account late. I have contacted them several times. I am repeatedly hug up on, am transfer to an out of the country foreigner or a XXXX speaking agent and I am an American who only speaks English. I have sent in written request and the company has failed to correspond. 

I am making all my payments on time and they continue to report them 30 days late each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is they refuse to send me my escrow, they keep saying they have the check ready, but still haven't sent anything, I also overpaid account & now their asking for a new payment {$500.00} on my online account, when my mortgage is only {$320.00}, & I overpaid last month of XXXX, I told them to apply the xtra to principal, but they didn't do that either, I will end loosing my home, because they taking their time sending my escrow refund for homeowners insurance, they keep saying you should get it in a couple days, deadline is XX/XX/XXXX, it's been 2 weeks now & is now lying about special paper must be done to send monry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with Quicken Loans, Rocket Mortgage, since early XXXX to purchase a home in XXXX XXXX, Oregon. Asking price was {$480000.00} but we talked them down to {$470000.00} and I was pre-approved while working with XXXX XXXX, Mortgage Banker, with a closing date of XX/XX/18. I have provided everything typically asked for such as bank statements, rental lease agreements, pay stubs, homeowners insurance policies, etc. 4 days before closing I am contacted by XXXX XXXX ( Senior Purchase Specialist (? ) and told my debt to income ratio was a little too high and that in order to improve my ratio, I need to take my non-working wife off the loan, show liquid assets to cover an {$8000.00} school loan I cosigned to help my cousin attend college, buy out my PMI, and buy down my interest rate from 4.375 % to 4.2 %, all for an increase in closing costs by about {$17000.00}. I was told I can either show liquid assets or show I'm a co-owner of a brokerage account with value over and above my liabilities. The next day, I speak with a XXXX XXXX, Solutions Specialist, and told that they can not move forward with the loan but can not tell me why. I am transferred to XXXX XXXX ( Executive Relations Specialist (? ) and told the same thing and that Senior management had made the decision, but she is not privy to the specific reason why. Meanwhile, my house is completely packed, my non-refundable one-way plane ticket is purchased, and the sellers are standing by waiting to sign since closing is 3 days away. After contacting XXXX, again, I am told she can send me a denial letter, and the reason for the denial is " Debt to income : non self-employed income not supported. '' In trying to confirm what this meant, I am told that it is up to my interpretation, and that when Senior management looked over the notes in my file, they decided that they were not comfortable moving forward with the loan but would not disclose the specific reason why. My Realtor spoke with XXXX and was told something different than I was told : I was dishonest with some information I gave them. 
All I want is a specific reason why my loan was denied so I can at least move forward with piece of mind on what I can do better next time. I thought ECOA required lenders to provide a concrete reason to consumers when denied a loan. I have attached a copy of the denial letter and phone conversation as evidence to the above. Please let me know if anything else is needed. Thank you for taking the time to review my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
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: Information belongs to someone else

Complaint:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -

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 2020-11-23
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:
i have contacted all 3 agency in regards to this debt from security credit services, this was supposed to removed of my credit. i dd contact security credit services in which they investigated and sent me a letter they are removing the derogatory information off my report with the bureaus. as of XX/XX/20 Equifax score was XXXX, and it went down to XXXX due to this false info and im not sure what is going on but it seems that my equifax score just jumps all over the place and nothing has changed but i have been disputing all the false info on my account again, some of the items on my account are old and fraudulent, and are still reporting derogatory and there not even my accounts, i need help these have been causing issues since XXXX. i have sent information that has been requested as well as police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!

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 2021-10-05
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I explained I am at work and can not receive call during the hours of Monday thru Friday XXXX to XXXX. They continue to call.

Company response to consumer: Closed with non-monetary relief