BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to refinance my home mortgage in XXXX 2015. My bank agreed to match the refinance terms that I had received from a broker because of my being a long term banking customer. I proceeded with the loan process which included a loan subjugation from the city of XXXX XXXX and the conversion of assets to annual income. I received the Good Faith Estimate in XXXX 2015 which was as we agreed except the closing credits would be reflected once everything was finalized so that the amount would be correct. As the months passed I asked the mortgage banker about the rate lock and our original terms to make sure the rate, term and closing costs were as agreed. He assured me that the bank would uphold the terms and not to worry about the extensions. I talked with the mortgage broker XXXX XXXX about closing the XXXX. He said he would get back to me. 
On XXXX XXXX I received a revised Good Faith Estimate in the mail. It quoted {$6000.00} closing costs not the {$1500.00} quoted on the XXXX 2015 Estimate. The higher amount reflects the cost of the rate extensions which the bank newly determined to be my responsibility. The reason given was because the subjugation from the City of XXXX XXXX was not received until XXXX 2015 and since the delay was not the banks fault ... .I am responsible for the multiple rate locks. Their position ignores what I was told verbally by their mortgage broker. There were no written notifications either. If I had been aware of the cost of the rate extensions, I may have made different choices about pursuing the subjugation. 
I have been lied to and am in a position with few alternatives. The loan process that I believed was closing in a week is not as was presented to me. I hoping that I have some recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I did request a prove of the charges and I did receive the information about another person with different address. The envelope has my name and address but inside 10 pages of bank statements, names, addresses, everything about XXXX .... 
If I receive the information about this person, who has my? 
Please help me with this Identity Theft Collection Company. 
I like to their name to be published to everyone has account with this company to check if did not give your personal information to others. 

ALLIED INTERNATIONAL CREDIT CORP XXXX - AZ - XXXX PHONE - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: LEADER ONE FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to file a complaint against XXXX XXXX NMLS XXXX at leader bank in Wisconsin XXXX XXXX I do believe. 
My first encounter he belittled me like I never have been before telling me in the 5 minutes he talked to me he could tell I have problems. I got off the phone crying. He apologized the next day because I told the person who recommended him. So I cautiously gave him a chance. So as I looked at houses and he is the loan officer he  would say hey this new house is coming up do u want to check it out. Of coarse. He asked if I had a realtor I said yes. He said well we have one at the bank who can show you this house if you dont have a signed contract with the realtor. I said thats fine. I wasnt to happy but I was glad to see a house first. So he said meet XXXX. Well I go to the showing and he is there and XXXX is there. He said this is my wife XXXX. I was not happy. I know what he was doing. He was gon na give me the loan if I used XXXX. I was not intrested in the house. So I saw a few houses by owner or at open houses and first thing hed say is do you want XXXX to write the offer. I said no we have a relator I told you this. After several attempts to manipulate me to use his wife and me rejecting him he stopped answering my calls for the loan. Stopped all contact with me. This was very I Nprofessional I felt u confrontable I felt so uneasy. I found a new banker and he had told me about this web site. I will tell you its worth looking into. This is completely against ethics. He should be fired. I hope something should be done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information is missing that should be on the report

Complaint:
TransUnion LLC, and XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on I, XXXX XXXX, Consumer Report. 
Both of the mentioned Consumer Reporting Agency are violating FCRA 1681i ( 5 ) ( i ) ( ii ). 
As dated XX/XX/2022, I HEREBY DEMAND both Consumer Reporting Agencys to UPDATE my Consumer Report with accurate information. 
For any noncompliance both of the mentioned Consumer Reporting Agency will be fined pursuant to FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance, and 15 U.S. Code 1681o - Civil liability for negligent noncompliance with Prejudice!

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 2021-11-12
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: ASSOCIATED BANC-CORP
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had to have the roof of my house replaced because of storm damage. The insurance company is required in the state of XXXX to issue the check to both the home owner and the mortgage holder. In this case Associated Bank in XXXX XXXX XXXX and myself. I was told to endorse the check and send it to Associated Bank. They endorsed the check and mailed it completely endorsed back to me. I thought it was an unsafe practice to send a completely endorsed check through the mail, so when the work was completed and all inspections done, I sent Associated Bank the final check from the insurance company to endorse. They mailed the check back to me with a letter that stated they will not endorse the check unless I endorse it first. After a phone conservation with Associated Bank, their only explanation for not endorsing the check is policy. I think you will agree that sending a fully endorsed check through the mail is an unsafe and unneccessary act. I would like to lodge a complaint against Associated Bank for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CarMax, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was sent an adverse action from CARMAX INC on XX/XX/XXXX. I in good faith applied for a XXXX XXXX XXXX and was denied. My credit card was used and I received no benefit which is an unauthorized use of a credit card. Pursuant to 15 USC 1602 ( f ) credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I exercised my right and was denied. They are in violation of 15 USC 1681 ( a ) ( 3 ). They are also requiring a down payment which is a violation of 15 USC 1605 ( a ) which states the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So no cash should be required for a consumer credit transaction. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX CARMAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : ADVERSE ACTION Dear CARMAX INC I , the consumer and natural person, was denied credit by CARMAX INC when I applied for a XXXX XXXX XXXX XXXX # XXXX. 
Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692k.

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by CARAX INC due to the response I received. 
CARMAX is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I am the creditor per 15 USC 1602 ( g ). 
Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CARMAX INC.

If CARMAX INC fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make CARMAX INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ).

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: TN
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:
I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
One day around my birthday about XX/XX/2018, I lost my debit card due to being intoxicated at a party, w a piece of paper with important information. I reported it to the bank and they told me to make a claim which was denied. Ive been trying to make an account ever since but its been the same problem. Im not sure what to do, & due to this I owe them money for something that was out of my control. please get back to me.

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 2021-11-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Hilton honors credit card that is from American Express on XX/XX/2021. The website was showing the offer for this card. Welcome Bonus XXXX Hilton points if you spend {$1000.00} in the first 3 months of opening this card, if you spend {$5000.00} in the first 6 months you get an additional XXXX Hilton points. 
So I signed up for this card and spent {$1000.00} in the first 3 months and got XXXX points. When I spent {$5000.00} in the first 6 months I didn't get any extra points, so I called up American Express and asked them where my XXXX points are, they tell me we didn't promise you only XXXX points. 
So I am reaching out to the Consumer Finance office to help me get the XXXX points that I was promised when I signed up on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score/report and needs to be looked at 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 non-monetary relief
Consumer complaint received 2019-10-29
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems # XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX, XXXX ) reports that " ORIGINAL CREDITOR '' = XXXX XXXX XXXX, turned over a {$3000.00} amount on XX/XX/2015. 

I NEVER LIVED AT THE XXXX XXXX XXXX. I want this account removed from all my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: Information belongs to someone else

Complaint:
I submitted a letter to XXXX & XXXX, Trans Union advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.

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 2016-07-20
Company: QuickClick Loans of Illinois, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan I lost my job due to car accident it 's XXXX and I would not drive I am waiting on XXXX I told them that want I receive my payments I would pay them Several time I told them So they still call me two to three time per day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: JPMORGAN CHASE & CO.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
At approximately XXXX XXXX2020 I tired logging on to my Chase online account. I received the notice that it was locked due to suspected fraudulent activity and was given a number to call. As of XXXX XXXX2020, I am now on my third call with Chase. The first time I called I waited 2 hours and no one picked up after the front line customer service specialist transferred me to the security specialist. I tried again and this time I waited another 2 hours after a 30 minute wait to be transferred to a security specialist by the front line customer service representative. After the 2.5 hours, the phone rang but no one picked up and my call was dropped.Currently it has been another 45 minutes on my third call to even reach a front line customer service specialist. I need to access my account online to be able to verify that payments will go through on time to ensure that I will not be charged any interests or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.

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 2016-07-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I recently tried to purchase a vehicle for XXXX XXXX Nissian XXXX XXXX XXXX XXXX XXXX Ga XXXX. They " supposedly '' had me approved and I signed the paper work and left the dealership with the auto. 3 weeks later after no response from the dealership regarding multiple denial letters I had recieved in the mail I was told I had to return my vehicle because they were unable to get the approval needed. Upon further insights I found they had ran my credit 14 times through various companies making my already poor credit score suffer even more. Making it impossible to even be reconsidered for financing. Just feel this is very unethical and please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: First National Collection Bureau, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from XXXX. Rep stated I owed a " XXXX '' monies from XXXX. I do not recall this alleged debt. It was also stated account was opened XX/XX/XXXX, which today is XXXX. I did not receive any mailings from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Genesis FS Card Services, Inc.
State: VA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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:
To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decreased 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.

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