BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: CA
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:
I was declined credit from XXXX XXXX for erroneous reasons. My credit score is high and I have no credit problems. After receiving a denial letter I tried to get a copy of my credit report and was put in circles by Equifax to receive a copy of my credit report. 

It seems this system was designed to create a problem so the consumer would go away. 

This is unfair and the only recourse we as consumers have is you. PLEASE institute programs that provide EASY access for consumers. These credit companies are NOT consumer oriented and that needs to change PLEASE protect the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2019-01-26
Company: JPMORGAN CHASE & CO.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a used vehicle from XXXX XXXX on XX/XX/XXXX for {$26000.00}, before agreeing to purchase the vehicle I asked the internet manager to send me all the fees that would be included in this purchase. This information was sent to me and I agreed to the purchase that included {$190.00} document fee, {$15.00} convenience fee and the appropriate state county taxes. My wife and I signed the Vehicle Order Agreement and the balanced owed states {$27000.00}, we then signed the retail installment sale contract and the Amount Financed within the " Federal Truth-In-Lending Disclosures '' states {$27000.00}. The entire purchase was financed through the dealership and Chase Auto Finance was the lending company. When I received the paperwork from Chase Financial the Principle Balance states {$27000.00}, this is {$190.00} more than the stated amount financed on the Vehicle Order Agreement and Retail Installment Sale Contract. 
When I called the finance manager XXXX at XXXX XXXX she reviewed my contract and even sent me a picture of the computer screen that showed the amount financed at {$27000.00}. When I told her the Chase paperwork states {$27000.00} ( {$190.00} higher than the agreed to {$27000.00} ) she could not give me an answer as to why there was a discrepancy so XXXX told me she would look into and get back with me. When XXXX called me back she told me the {$190.00} was a fee added onto the loan from Chase and that this was a requirement in the state of Indiana she then gave me the contact information for the area manager of Chase. I discussed the {$190.00} fee with him and heard the same thing that this is a Indiana requirement. I then called XXXX again telling her this fee was never discussed before agreeing to purchase the vehicle or at the time of signing these contacts. I was surprised to hear XXXX agreed with me and acknowledge the {$190.00} fee was not discussed and that she didn't even know of this fee from the banks until someone from XXXX told her. She agreed to discuss with management and ask for a refund of the {$190.00} fee. XXXX called me back on XX/XX/XXXX leaving a voice message stating the fee should be reimbursed from Chase and I should contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-26
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:
XX/XX/2019 Customer notes credit scores have significantly declined. 
XX/XX/2019 Customer pulls Experian report and finds inaccurate info XX/XX/2019 Customer contacts creditor to complain about inaccurate info XX/XX/2019 Creditor ( bank ) writes back to assure customer the accurate info was provided. 
Inaccurate info : Mortgage loan specified as only " installment. '' Term 30 specified as MONTHS. Bank advises Experian has only 2 digits for " term '' and that 30 is understood to be years, not months, and that it WAS reported as mortgage. 
XX/XX/2019 Customer calls Experian to complain, after finding web dispute facility broken for days. Experian advises dispute is only way to request correction. Customer tries in vain to explain that creditor provided correct info. Experian says we will enter the dispute and take it up with creditor. 
XX/XX/2019 Experian reports " dispute '' resolved and nothing changed. Customer confirms that Experian has FAILED and REFUSED to correct their inaccurate information. They ignore both creditor and customer and continue to leave info uncorrected.

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 2020-05-09
Company: Rent Recovery Solutions
State: GA
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:
XX/XX/XXXX and XX/XX/XXXX, {$3200.00} contacted the property, property management company, and debt collection which advised I need to reach out to the property management which I have no response and the property that is on my report has fraudulent charges and I have evidence of the correct information but the property no longer exist it has been bought out or went under bankruptcy but information was not provided to the debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
on XX/XX/XXXX I applied for a personal line of credit with Wells Fargo in the amount of {$30000.00}. After applying I received a message that my application was under review. a few minutes later I received a text message from Wells Fargo 's automated system indicated that my loan was conditionally approved and that I needed to sign into wellsfargo.com/status for more details. When I signed into the website and clicked on the application it asked me to agree to digitally signature. I went through the process and and agreed. The system then told me that my line of credit request was approved conditionally upon signing the credit agreement which stated that my line requested was for {$30000.00} and my approved amount was {$30000.00}. It also indicated that my apr was 13.25 % variable. Once I reviewed the document ( several pages long that indicated all of the terms and conditions of the line of credit ) I got a pop up message that said " Congratulations you application has been fully approved ''. 2 hours later I received another text message from Wells Fargo that said my application was declined. I logged back in and reviewed the information provided. Still holding in hand a document that stating that my line approval was for {$30000.00}. I called Wells Fargo and asked for more details. They said there was a known glitch in there system. I asked to escalate as I already signed a legally binding loan agreement with them online that said the loan terms and conditions were non-negotiable on the bottom of the documents. When speaking to the supervisor, he indicated that this was a known glitch that the system was approving tons of people who did not qualify for the lines of credit since they migrated to a new platform months ago. I told him that I had a signed a legally binding contract with wells fargo for this line of credit and that this was UDAAP & Fair Lending issue. It would be one thing to deny the application but since the application had already been approved and the contract signed/executed that this was unfair and deceptive. He said there was nothing he could do and offered to transfer me to there executive office. There executive office opened a case on XX/XX/XXXX number XXXX. I was told this would be resolved within XXXX days. We are now more than 30 days out and I have not even received a phone call from them. I did receive a letter dated XX/XX/XXXX from a XXXX indicated that they needed more time to investigate and that I should be contacted no later than XX/XX/XXXX. Wells Fargo has failed to meet there commitments at every turn in this process. They are in clear violation of UDAP, UDAAP, and fair lending laws.

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 2018-06-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
Greetings! 

On XX/XX/XXXX I contacted Chase bank credit card services over an unrecognized charge that I wanted to dispute and cancel further charges. The charge was approximately {$42.00} from a company named XXXX XXXX. At that time I had no issues with them disputing the charge and telling me that there would be a block from all future purchases. I was not informed at that time that there were any potentialities for future charges from that company appearing. 

Today while paying my bill, I noticed a pending charge from XXXX XXXX. I contacted Chase and discovered that since my XX/XX/XXXX request to dispute the charges and prevent further charges, that 4 different transactions had occurred. The representatives did verify that I had contacted them in XX/XX/XXXX to place the block and were very unapologetic in letting me know that I should have been told that it may not be effective. 

I escalated the situation to an XXXX who refused to assist with 2 charges that had occurred after the block was requested in XX/XX/XXXX and she herself was even unable to contact the company via their listed support number or numbers found online. These charges were said to be too old. 

I have been a Chase customer for a very long time. I have 1 debit and 2 credit cards from chase and in all my years as a customer have never needed to dispute a charge or block any purchases. I am asking that chase please reimburse me for the 2 charges that should not have occurred that are 'too old ' to dispute in the amount of approximately {$84.00}. This situation has definitely hurt my perception of the company and I am very seriously considering alternative ways of banking in lieu of this situation 's outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX unverifiable INQUIRIES XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized

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 2019-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report I noticed a collection account from Portfolio Recovery Associates whom I have never heard of nor have I done business with. I disputed the account to the credit bureaus and to PRA. They mailed me copies of two statements from XXXX XXXX. ( I am attaching everything they mailed to me. ) They did not include anything showing they can legally collect money from me on behalf of XXXX XXXX. I feel like they should have to prove to me they are the proper ones to pay. If I were to pay it I would want to know absolutely sure that I was paying the correct party. I fear this could be a fraudulent claim to squeeze money from me that is not really owed to them. What if I pay them and then XXXX comes back later and said I should have paid them? I don't have the money to pay this thing twice. Honestly, I am not even completely convinced the account is even mine. I don't want any trouble. I just want them to get their act together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: LA
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 several fraud accounts that have popped up on my credit report. I have been the victim of on going ID Theft for some time now. I have sent Experian police reports aswell as other supporting documents. The following accounts are fraud and do not belong to me. Please removed and or block the following due to fraud! Thank You 1. XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4. Inquiry XXXX XX/XX/XXXX 5.

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 2017-12-08
Company: Experian Information Solutions Inc.
State: VA
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:
After several phone calls, letters and disputes the fraudulent inquires on my credit report remain. Please see the inquires below in question. I am not sure how this is able to happens since there is a credit freeze and fraud alert on my credit report. No one should be able to pull my report. 



XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 2019-01-26
Company: BTH Management
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Negative re aging of this debt to make it appear more recent then it is making it s violation of the FCA. My car was repo on XX/XX/XXXX sold at auction XX/XX/XXXX. This company XXXX XXXX has re aged this debt on my credit report to XX/XX/XXXX to make it appear more recent and that is illegal. They added 3 more years to it. I sent a dispute via credt karma XX/XX/XXXX but nothing came of it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018 I transferred XXXX Bitcoins to my Coinbase bitcoin wallet with the intention of exchanging it for USD. Within approx 1-2 hours my Coinbase account showed the transaction as complete, receiving XXXX BTC with approximate value of {$4100.00}. However, the money was never added to my bitcoin wallet and the balance remains XXXX. I had successful transfers to my account before this. I double-checked everything is correct, and my Coinbase account history clearly shows the transaction, I just never received the bitcoins. 

I filed an issue with Coinbase support on XX/XX/XXXX, followed up on an automated reply from them on XX/XX/XXXX, and called them on XX/XX/XXXX. On the phone call, the support person looked at my account and said that it did indeed look like an error on their part and that they would elevate the case for a specialist to look into it. I have not received any replies from Coinbase since, and my messages to their support system have gone completely unanswered. The bitcoins have still not been credited to my account. 

I have complete documentation including screenshots showing all transactions and wallet addresses, a download of my complete Coinbase transaction history, and all communications with their support team.

It has been 8 weeks since their mistake with zero action from Coinbase, which lead me to believe they have no intention of ever resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This follows up on an earlier complaint I filed with the Controller of the Currency. The Controller forwarded the complaint to Chase. Chase 's reply to Case XXXX is attached here. 

I may have filed my complaint with the wrong agency and should have started with CFPB. The Controller 's office did forward the complaint to Chase, and Chase did copy to the Controller their response to my complaint. Otherwise, I have not had any contact with the Controller 's office. 

I have noted my comments in the margins of Chase 's attached response. Briefly, I still believe that the impounding of deposits for 11 days is unjustified in this electronic age. My deposit with Chase was transferred instantly from my account with XXXX XXXX to Chase. Chase had control of my deposit ( {$35000.00} ) on the day of the deposit according to statements from both banks. If the deposit had been forwarded to XXXX XXXX by XXXX, as was apparently the situation when this impounding was originated, I could understand it. Today, the practice continues because it is ( a ) an interest-free loan to receiving banks, who undoubtedly resist any change and ( b ) because it is not important enough for regulatory agencies to pit their limited resources against the platoons of lawyers the banks would mobilize to continue the practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
this is a response to exeter finance who stated i said i stated that the account is fraudulent. however, i did not say this. in the email i sent them, i stated : " to whom it may concern, i will need my loan and account closed. i was the victim of fraud and identity theft, someone went around using my social security number without my knowledge and consent. my account number is XXXX my name is XXXX XXXX XXXX my social security number is XXXX i want you to report to credit bureaus about this to remove account information, i do not want to take any chances with this. please do so, thanks. and please come and get your vehicle that was financed. i had to file a police report and i have filed an ftc id theft report as well. thanks '' i stated i did not want to take any chances on this with my ssn being used without my consent. this is why i reported your company to the NC DOJ recently because of stuff like this. i fought hard for this country and you should do something about this account and vehicle. i surely hope you get your business shut down by the NC DOJ because of this kind of stuff. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion website has not allowed for electronic disputes to be filed for over a year now. I have an invalid debt showing in collections on my credit report but yet can not dispute 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 2018-10-09
Company: Experian Information Solutions Inc.
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 credit was impacted negatively from XXXX XXXX XXXX XXXX/XXXX reporting to my credit that i was 120-149 days late in XX/XX/XXXX. This was reported in in XX/XX/XXXX. I have since put this account on automatic payments directly from my checking account. Back in XX/XX/XXXX I was between checking accounts and was working with them to be put on an IBR payment plan

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