BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is a demand for reinvestigation. 
Pursuant to 15 USC 1681i send me the detailed description of the procedures of the reinvestigation!

I demand a full layout of every detail and full time line of specific names dates and days Within the description of the procedures to cross-reference the validity of the bankruptcy claim.

Your company has failed to execute before the account was posted to my consumer report an initial investigation to determine the accuracy and completeness of this account.

Your company now has 15 days according to Congress and the law set forth to provide me the full details of the description of the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent Capital Services aka Cach LLC purchased a loan in my name from XXXX, a recent credit report shows the account sold to Cach LLC with a balance of {$12.00}, XXXX. The original loan amount is {$6800.00}, it appears XXXX kept adding on interest and fees after payments ceased due to dispute over terms including interest rate. XXXX has numerous complaints/horror stories on several consumer review sites including XXXX in regard to their high interest rates. Further, it appears they do not take into account credit score when calculating interest as they seem to charge everyone the same high rate of 35 %. Additionally, the account is being reported as over 180 days when last payment was made in 2015, which is well over 180 days. I believe the reason for error in reporting and additional interest is an attempt to collect on debt and harm my credit score. Prior CFPB complaints were made against XXXX regarding interest and terms, none resolved. XXXX and the issuing bank, XXXX, both have complaints against them about this issue. I attempted to resolve complaint with XXXX XXXX at XXXX, he defended high interest rate regardless of my credit score at time of application, nothing was resolved. I also attempted to contact XXXX XXXX at XXXX, the number I called from was blocked so calls would not go through. To confirm this, I called from a different number, call went through but the rep stated XXXX does not accept calls. This loan was applied for online and nothing signed, no forms with my signature. That being said, XXXX has no proof of what was agreed upon, if anything. Please advise Resurgent Capital Services of this information should they make attempts to collect on this debt which includes legal action, also I refuse to pay due to high interest rate which was not agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: KEYCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Illinois unemployment card, issued thru Key Bank, was frozen and I havent been able to use the funds deposited for over 6 months now. I spoke to multiple bank representatives and sent in all of the info that they asked for and have yet to get the account unfrozen, not have I received any correspondence from the bank. They basically locked up my funds and ceased communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i have contacted chase bank many times, and i have got no response from them, i lost my job due to my health and i am XXXX and on XXXX ..i return my auto back to the auto dealer ... chase bank lie on my credit report and posted that they repo. my auto ... i had XXXX witness and mailed a certified letter to chase bank as well..now chase bank wants to be real XXXX and cause damage to my credit report by doing a credit inquires to drop my credit scores ... i have spoke with a atty ... and if chase does not stop i will expose chase bank, ,and since a XXXX vet i am sure that would make good news story ... i am so fed up with chase bank.i have mailed them at lease XXXX packets of information and i have been very honest with chase bank ... what really made me mad is the few times i would talk to someone at chase bank, ,i was told by a chase bank staff lady that they could not get close to there customers ... i have work in XXXX for 27 years,,, i have never herd of such a poor excuse ... i have learn with chase bank being honest with them is not chase bank wants..XXXX i should have just kept my truck and cut the gps system and chase bank would have never found my truck ... as i have said i am not going to put up with chase bank causing damage to my credit report ... .if this how chase bank treats people that are XXXX and XXXX veterans ... chase bank needs to close there doors ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I went online to make a XXXX payment a on my Chase credit card and accidentally used a XXXX account that was not my bank account ( my name isnt on this account ) to make the payment. That day when I discovered my mistake I immediately called Chase and had them cancel the payment from the XXXX account. They cancelled the payment and also reversed the payment so they ended up depositing an additional XXXX to that XXXX account that was not my bank account. When they discovered their mistake they charged my credit card account for the XXXX they mistakenly deposited into the XXXX bank account. I have NO access to this bank account and have NO way of recovering the XXXX that THEY deposited into someone elses bank account. They are charging me for their mistake and after speaking with the floor manager at Chase ( XXXX ) he informed me that they would not take the XXXX that they added to my credit card balance to make up for the money they put into someone elses bank acocunt off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Westlake Services, LLC
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am attempting to pre-qualify for a home purchase. I was informed that my finance company for my vehicle ( Westlake Financial, XXXX XXXX, CA ), did not submit credit information for my vehicle purchase to the XXXX credit bureaus. Westlake Financial told me my credit report with XXXX showed a discrepancy. I was instructed to secure a Numi-lite letter from the Social Security Administration, but they no longer do these. I was then told by Westlake to have the XXXX credit bureaus send me letters showing a correction. I secured it and sent the information to Westlake, however, when I tried to follow up I was given XXXX different versions of the amount of time it would take to correct it. It 's been 32 days since I forwarded the corrected information to Westlake and its been over 2 months since this whole process began. Westlake still has not completed a review and forwarded my car purchase information to the credits bureaus. They indicate it could be another 2 to 4 weeks ( total review time of 6 to 8 weeks ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Gabriel FInancial Group, Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
Received XXXX letter confirming identity theft from XXXX and is still ongoing

Company response to consumer: Untimely response
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: NY
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I received my TransUnion Credit report Approximately XX/XX/22. At that point, I began to dispute inaccurate and outdated information in my file. That request was mailed to them on XX/XX/22. I requested that the inaccurate addresses & phone numbers be removed, as well as ( 2 ) XXXX Accounts and the XXXX Accounts. I forwarded them copies of my XXXX file which had the same information and upon receipt of my dispute, the information was deleted from my file due to lack of validation. To date, I have not received any communication from TransUnion concerning this matter.

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 2017-05-30
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
Someone opened a loan with navy federal credit union bank for {$24000.00}. I noticed because i got alerts from all three credit bureaus. i opened a case with the police as well. United states postal office.
I have no knowledge of this account. I have never received any information on this account to my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021 I submitted a support request to Coinbase ( coinbase.com ) in an attempt to regain access to my account there.

After over half a year of emailing and multiple support/complaint case numbers, I still have not regained access to my account.

I have attached all emails I sent/received Support case numbers : # XXXX, # XXXX Complaint numbers : # XXXX, # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank charges {$12.00} service fees for going under a {$1500.00} minimum ( the lowest they have ). When I got the account from my father 's estate, it had a {$20000.00} minimum. When the account dipped below that, they charged the fee for over a year. I never saw any notification of it. Now I had to use the rest of the money. There 's no way I can reach the minimum or get a deposit of {$500.00}, given that I 'm on XXXX and do n't get the money myself. This whole service fee is questionable and even worse towards low income folk. The lady at the bank said that {$1500.00} was the lowest minimum and that they had to charge this fee for " holding the money. '' I 've got {$30.00} in my account now. There 's not even anything for them to hold, and if there is no money coming or going, there 's not even any service for them to render besides keeping that record, that excuse for them to charge fees. So I 'm going to have to close the account. There 's nothing else I can do. I neither want nor can afford to give them money for free, and quite frankly they do n't need these little scams that they quietly increase over time. Fees for using ATMs, fees for maintaining an account. I see - now it 's not enough for them to consider it valuable, but even before these practices are unethical and anti-consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: YKS Acceptance, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
To whom it may concern : I saw the write up on Herbies in the XXXX XXXX and was intrigued to send in my complaints we bought a XXXX Kia Sorento in XX/XX/XXXX. The total loan was XXXX To say the least the XXXX was worth a third of the loan. We went to trade it in last year finding that the XXXX XXXX value is less than XXXX. We stilled owed XXXX at that point so we would have to pay off the loan and have money down for a new vehicle. 

In XX/XX/XXXX the motor blew in the XXXX. They replaced it with a XXXX motor which has n't ran favorably since, it burns oil, has a knock and squeals obnoxiously. I 've had it in 3 times for them to look over the problems with them only dismissing the situation. And there is still an oil leak in the manifold, it burns oil obnoxiously. 

To say the least it has been very frustrating to pay for a overpriced vehicle that does n't run! So may times I just wanted to drive it and park it on their lot. Yet integrity even when taken advantage of is still morally correct. 

We also have a XXXX Chevy pick-up that is under the same scenario charged XXXX + and again worth half as much. And it has a device added to the motor that if you are late with a payment ... they disable the vehicle. Yet we have had the experience where they have taken out 2-3 + extra payments in 2 consecutive months. 

{$700.00} per person is minimal refund for the monies payed for a car worth half of what it is worth. And nonfunctional! 

I would like to know what 's being done about my specific situation. Please reply. 

Thank you! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   Citizens Bank Account #  XXXX  Overdraft line of credit.
Primary account has been charged off.
It seems like late fees keep getting added on, but when I ask for statements I ca n't get them. The principal never gets paid off.
<P/>
I contacted the company, and they said that since I do n't have an account with them, I ca n't get a statement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CCF Intermediate Holdings LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from this fraudulent debt collectorny XXXX XXXX XXXX Phone number ( XXXX ) XXXX, ( XXXX ) XXXX, and other numbers. They are claiming that I owe a debt to an online payday loan company called CHECKSMART LOAN. I do NOT owe this company anything. 

Checksmart loan has also pursued me through another fraudulent debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX ) which site isn't even working because they are scammers. They call me from XXXX and XXXX. 

Please help me stop both fraudulent debt collects from contacting me about a loan I don't owe. They are very threatening, belligerent calls. They call me multiple times a day saying that they will send people to take me to jail, that they will show up at my job, that they will take me to court. It's just too much. I need these Please penalize Checksmart Loan for making false accusations that I owe them when I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have current mortgage with BSI Financial, and when I check status on my payment on the BSI Financial for month of XXXX. It's shows that I have not make the payment and it's passed due. When I see from my online bank that BSI Financial did cashed a check on XX/XX/2022 so I don't understand how BSI Financial stated that they received this XXXX payment. Plus I'm there no one picking up phone from customer service of BSI Financial. I have left two message, and so far I have not received any phone call back from the BSI Financial. I'm really annoyed with BSI Financial in sense how they operate business and how US government let this type mortgage company tolerate with business practice that they are using with consumer. US government to step in and look over each consumer complaint with this mortgage lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: DISCOVER BANK
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I transferred around $ 250K of funds into Merrill Edge account based on the advisor 's claim that I would be  eligible for " Preferred Rewards '' within a few weeks. My transfer-in bonus is contingent upon my Preferred Rewards status. If I do not qualify for Preferred Rewards, I get no transfer bonus. 

Before this, I have around {$300.00} in my Bank of America savings account. 

On XX/XX/2020, I calculated my account 3-month average balance to be : [ ( XXXX * 8 days ) + ( XXXX * 82 days ) ] / 90 days = {$22000.00} which is above the $ XXXX  threshold to be enrolled in Preferred Rewards. 

On XX/XX/2020 I called XXXX and spoke to XXXX at XXXX, Rhode Island ( Advanced Client Solutions ) and he said that I wouldn't be qualified until XXXX, which would make me ineligible for the brokerage account bonus. 

Interestingly, XXXX provided this calculation : My 3-month average balance = XXXX/90 = {$2700.00}. 

I asked him to consider holding $ XXXX at B of A for 90 days, and try his formula again : His 3-month average balance = XXXX/90 = {$220.00} which means even after waiting 90 days, this person wouldn't be eligible for Preferred Rewards. 

By this logic, one would need XXXX XXXX Dollars in order to be eligible for the lowest tier of the Preferred Rewards program.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/XXXX I paid off 1 credit card but didn't close it. On XX/XX/XXXX I received a notification from XXXX XXXX  that my score dropped 118 points on the day it was reported to TransUnion. I contacted XXXX XXXX who referred me to TransUnion then TransUnion told me to contact XXXX  XXXX. I can't get an answer as to why my credit score dropped. TransUnion would only say that there was a deragorty remark on my report but that has been on there since 2015 it's not a new remark. The only thing say said is credit reporting is like a secret recipe and different factors go into the report. The only thing that changed on my report in XXXX was paying off a credit card. Why pay anything off if you can't trust the agency reporting.

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