BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to miss-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 

XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to miss-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!

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 2015-04-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I have a Chase Visa account which Chase just canceled for no reason, this is what the customer service supervisor XXXX told me when i tried to get an answer. Why is it that an account that was with no balance and monthly payments on time, can just be cancelled for no reason. The Chase customer service supervisor said it was because they felt like it. i realize that in the fine print they can do what ever they want, but it 's ridiculous that an account which is in Excellent standing be cancelled for no reason. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
with my agreement I was placed in a debt repayment program with Chase. My account was closed. Then, I began to pay on a monthly basis. For the last year, I was paying the amount requested and was sent a one page notification that my checking account would be debited for {$87.00}. Well, I just discovered that I was 90 days late in payments for past due charges and it has destroyed my credit rating. Not one time did I ever get a phone call or mail telling me I was 90 days late. I spoke to them over the course of two weeks and asked them to remove these late charges from my account and that I was willing to repay the past due. They refused. Again, my account was put in a special status where my Interest rate was reduced. Never once was I ever told that my account was 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I pulled my credit report and found a judgment on the report from XXXX XXXX XXXX XXXX for {$2400.00}. I decided to reach out to XXXX XXXX to understand what this debt was since I had never received any notification about it and discovered that XXXX XXXX has gone out of business. I then disputed the judgment with the credit bureaus since I did not know what the debt was and am not able to discuss with the now defunct XXXX XXXX. XXXX and XXXX promptly changed the status to satisfied on my credit report, but despite trying to have it removed twice from Experian they informed me that the debt was valid and would remain there. Until I can satisfy this issue, I will not be able to purchase a home. It is impossible for me to satisfy or even confirm the debt is mine if the company has gone out of business. Please help!!

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 2021-01-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
they are posting this and i dont have nothing to do with this i asked them to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX I deposit a U.S. Goverment Check for {$1800.00} for social security backpay after this I asked the bank teller when will my funds be available she said right away then I made several transactions but not totaling {$1800.00} and one XXXX I received a direct deposit for {$520.00} for my SSI Deposit again I made several transactions but not totaling {$520.00}. I have tried and tried to notify this bank of this error but to no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
. When you go into your chase account and make a future payment to any chase product you do not have the ability to see pending payments in the account that the payment is being made from. You can see other future pending payments for non chase payments though. Chase has decided that you should only see pending payments for their products in the account the will be credited not the account that will be debited. Chase can not and will not show their customers a true representation of what will be occurring in their checking or saving accounts. Most consumers have multiple accounts with chase. Such as mortgage, home equity loan, credit cards, car loans, student loans and so on. If you share bill paying responsibility with a spouse you will have no idea if a pending payment has been made from your checking or saving account. You must scroll though the multiple other screens to each product to see what is going on in your checking account. Why ca n't you see it in your checking account? OVERDRAFT FEES. And late payment fees. Why would they take your ability away to actually tell what is going on in your account. It is all about fees. As a consumer we should be able to see our accounts online and to be able to see all debit activity and all pending debit activity for all payments in those account. we must be able to reconcile what debits will be made from your accounts for all activity and not just activity chase feels you should see.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
Thursday, XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Chase numerous. I am requesting an adjustment my Slate and Freedom account with Chase. I know this request is unusual, it is ruining my good credit standing. I realize things happen and my bank account has not had a high balance like normal and my utilizations on my credit card was over the limit over a month. If you look at my records, I was always on time and keep money in my Chase account. When Chase closed my account I was sending a payment of {$3600.00}. I plan on meeting with my financial advisor to put more money into my Chase bank account before XX/XX/XXXX. 
I have kept a honest and responsible relationship with Chase and will deposit over XXXX in cash into my bank account before the end of the month. I am requesting that you all re open my Slate and Freedom account. I know this request is unusual, it is ruining my good credit. I have attached statements for all of the accounts that I am requesting to be reopened. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My complaint : I sent a dispute letter to Experian on XXXX, and i immediately received a suspicious letter back even though I sent proof of ID and address. 
The outcome I want? 
I want Experian to do their job, and investigate my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Aqua Finance, Inc.
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XX/XX/2015I have found out through numerous calls an research that " ARA '' Asset Recovery Associates is a ripe-off company that usesscare tactics to recovery debt. 
I was contacted XXXX concerning debt that my sonmay or may not have. Was told that he was a party to an action suit because his name was given on paperwork concerning this so called debt by my son. He was told that a sheriff or constable would be coming to our home to serve him papers. 
I was put on the phone an told that there had been several attempts to contact me concerning this matter with her espousing the same type nonsense. We found out that none of this was true. There was no sheriff coming to our home to serve us papers. However, we are XXXX older individuals XXXX. I wish to sue this company with your help for fraudulent misrepresentation of facts. I pray that you will assist me in this matter, so that I do not have to attain an attorney and take them to court. 
However if no resolution takes place " District Court '' and possible " Federal Court '' will be my next step. 

Name was never given to them by my son and furthermore even if it had been no company has the right to harass anyone that is connected with the person they are trying to contact concerning that person 's debt and responsibility. I will not let this matter rest until I receive justice. This company will be stopped from such unwarranted tactics against any person that has nothing to do with another person 's debt. ARA is a scam who purchases information and debt from companies penny on the dollar and than attempts to collect the full amount of the money with high interest. In most cases these debt are already past there statute of limitations.There are too many agencies like these that exist only to destroy and individuals credit, finances, cause them to lose their jobs, and make their lives miserable. 

If Asset Recovery Associates do not want this suit to go forth I am requesting deletion of son 's name from their records, and all records associated with any outstanding debt with their agency or any other agencies connected to them. I am also requesting {$500000.00} in damages due to their actions of fraud, misrepresentation of creditable facts, XXXX against my fiancee and myself. XXXX 

I have all recorded phone messages concerning this matter. I gratefully await your response to this letter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I booked a rental car to be picked up in XXXX, XXXX and return at XXXX, XXXX in XXXX 2015 through a website XXXX and pay with my Chase Ink Business Plus credit card. The rental fee I paid ( {$410.00} ) in advance included snow tire, one-way drop fee, etc. and other charges. At the time of pick-up, the clerk from rental car company, XXXX, requested I authorize a security charge on my Chase Ink card and assured me that it 's for security garantee purpose. Whe I returned the car in XXXX, I was directed to park the car at a underground parking garage with no human present and just lock and leave it there. My credit card was later charged an additional {$900.00}, and XXXX sent my a bill listing service charges that I either have already paid through XXXX or have never listed in the original service list. I filed a dispute with Chase on the duplicate service charges as well as un-listed service charges. My disput was denied by a Chase staff XXXX XXXX on the ground that " services were delivered ''. I called Chase to find out how I can appeal the decision and I was told the only way was to send a fax. I did send and appeal with all evidence of duplicate/unlisted charges. I stated that I was disputing duplicate and unlisted charges, not whether service delivered. The appeal was denied by the same person ( XXXX XXXX ) simly with the same reason " services were delivered ''. I don 't feel that Chase has really looked at my appeal, instead just sent it to the same person who just threw it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian does not have any account reporting for my XXXX XXXX accounts.

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 2021-01-13
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So basically my ATM card was stolen and there was an attempt to deposit a check into my account. Upon this transaction, they also withdrew {$100.00}, which is unbelievable because there was only {$.00} in the account. As soon as I seen this I instantly locked the card and my account was quickly frozen. I called KeyBank and the fraud department because I was expecting to receive my paycheck that Friday. Because of the {$100.00} withdrawal, my account was charged fees because it was overdrawn making it {$110.00} in the negative. Once my check posted, that negative balance was applied to it so now Im out {$110.00} out of my paycheck. I just need help and answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have XXXX different credit scores with Experian Credit Reporting Agency. I recently signed up for one of their credit monitoring products and they gave me my FICO score of XXXX but when I went to apply for a mortgage they stated that my Experian credit score was less than XXXX how could that be.My score should be XXXX score rather good or bad based on a consistent industry standard system.

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 2015-05-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute detailing which items I felt were incorrect on my credit report. I then get a letter from Experian stating that my dispute seemed suspicious and that I should call them. I called them and the recording stated they were not taking calls from my area code. I sent them my dispute XXXX days ago and they send me what seems to be a letter disputing the validity of my dispute assertion. They failed to even investigate and give me a reference number for their communique on XXXX XXXX which did n't arrive until XXXX XXXX. I see they have only XXXX days left to investigate my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage ( who services my XXXX-owned loan ) advised me they no longer accept bi-weekly payments, and that I 'd have to use a 3rd party, who will charge me about {$250.00} to set this up. This is outrageous. Where else in America can ANY creditor refuse to accept an early payment, and refuse to give you the interest savings? The answer is nowhere. They told me they 'd hold my bi-weekly until the second payment arrives, as they wo n't credit partial payments. I assume they do this with the law allowing it, so PLEASE pass this on to the Congress and ask that, as the CFPB, Congress change the law to stop this ridiculous fleecing of the average American! If they will take a bi-weekly payment from an intermediary/3rd party, the banks should be MADE to accept these directly from the mortgagee!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am in the habit of paying my credit cards around the first week of the month. I do this electronically. I was under the impression that this was the correct thing to do, and in 2015 I have consistent records showing a payment to my credit card every month. In some months, I even paid down the cards twice. 

Chase, however, had my due-date set for the end of the month and so paying at the beginning of the month resulted in XXXX late fees. I believe that Chase sets end of month due-dates in order to confuse customers like myself, and this is an abuse of their power over their customers. 

Because I did not notice these late fees until now when I am preparing my taxes, Chase is refusing to refund me the money even though they agree that indeed, I did pay my credit card every month -- sometimes even twice in a month. 

I would like Chase to refund me these XXXX fees from XXXX and XXXX of last year - totally {$80.00}. In addition to my checking account, I have a mortgage currently being held by chase. They need to refund this money in order to keep me as a customer - I will absolutely transfer my accounts elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland XXXX. I believe it to be a robo-signed affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Over & over my clients are reporting they are unable to pay PayPal invoices I send to them. The ones that call me, when I have called PayPal with the client on the phone, report that PayPal is telling us that their " internal security module '' is blocking my ability to get paid & my clients ' ability to hire me. Most of these clients never call me to tell me that they are having these problems with PayPal & I simply never hear back from them & lose the business. PayPal is therefore operating to destroy my law firm business w these secretive, arbitrary denials of my good clients with good money & their ability to do business with my law firm. I want to know what exactly is contained in these " internal security modules '' & why they are picking on me & my business & not others. Even worse, PayPal never notifies me when a potential client tries to pay so that I can contact them to obtain some alternate form of payment. Or PayPal makes them open up a PayPal acct which is overly intrusive.

Company response to consumer: Closed with explanation