BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For the out dated information I want to remove from my report, their is no function to remove it or dispute it. The following accounts are old : XXXX, XXXX, XXXX, AND XXXX. I dont see the function to report these accounts that are old and outdated to be removed ( TRANSUNION ) I would like this old information removed from all three credit bureaus

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 2016-06-13
Company: Risecredit, LLC
State: UT
Product: Payday loan
Issue: Can't contact lender

Complaint:
I went on the website of RISE loans and tried to see possibly about getting a small loan, well when I saw the interests rates and what my payments could be, I canceled out of the application, I did NOT submit the application and the company still pulled a hard copy of my Credit Report from XXXX agencies. I tried calling them time after time and no one would help. They kept telling me that I did complete the application and " sorry we can not take it off of your'e credit report ''. I am so angry right now. I am trying so hard to " build my credit back up '' and everytime you have a hard pull it counts against my credit score. I am getting nowhere with this company so I was told by the credit bureaus to contact you and you could possibly get a response or get it taken card of for me. Please help me. This is a joke and unfortunately I can not dispute a hard credit pull with the credit agencies. Thanks so much in advance if you can assist me.!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or 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 2016-11-29
Company: Coinbase, Inc.
State: AL
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I opened an online account with Coinbase to purchase some XXXX. The purchase was made and the transaction completed, and the XXXX was shown in the balance. However, recent attempts to access this account have been blocked. The company has instituted some sort of extra verification code requirement in order to login, and I do not own a device capable of receiving this type of text message. They apparently ASSUMED that my internet-based phone number was for a cell phone, but refuse to either help me or even communicate with me in any way, despite completing their online request form ( twice ) as well as expressing my frustration with them on XXXX different XXXX tags. Zero response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX, 2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Equifax, XXXX Dear Representative : On XXXX XXXX, 2016 I sent a certified letter via U.S. Postal Service, to XXXX, Equifax and XXXX regarding a debt which was claimed I owed to a company named XXXX at XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX XXXX XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX XXXX, 2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XXXX XXXX, 2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX Chase has put on my credit report for the past 10 years that I owe them {$9400.00} for a credit card. I have never had a credit card with J.P. Morgan Chase, XXXX, nor any of the other banks that Chase has bought out. I was also XXXX in 2005 and had my identity stolen when I lived in XXXX, Texas. I never received any letters or phone calls from Chase in regards to owing them monies on a credit card that I was never issued! I have tried in vain to contact Chase to have this removed from my credit report but they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-01-27
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have never had an account nor have I ever requested information from Kia Motors Finance. They call me at XXXX twice a day for the last 3 months wanting payment. I have asked them 3 times to stop calling to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cosigned for a XXXX XXXX for my company. The company no longer required vehicle so we did a voluntary repo. Balance of monies owned went on personal credit report XXXX days ago. We have since settled account with KIA motors but have evidenced no change in FICO score which went from XXXX to XXXX. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Exeter Finance Corp.
State: MI
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:
My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XXXX XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ALLY FINANCIAL 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:
In response of an Ally Financial Bank letter that I recieve on the XX/XX/XXXX via NORMAL mail ( not 2 days mail or priority mail ). 
see attach documents. 

ALLY Financial Bank send me a letter dated on the XX/XX/XXXX with an advidavit form to be filled and to be notarise and stated that if I do not send this advidavit letter/form in 15 days from the date of the letter Ally Financial will report to the credit agencies that this account is legit, Well how the heck do Ally Financial think that in less of 5 day I will do all of this ( from XX/XX/XXXX to XX/XX/XXXX is already 10 days ) ... THIS IS THE KIND OF GAMES Ally Financial Bank is playing with me since day one of my first dispute. 

For more than 8+ months ( 240+ days ) I am disputing this account direct to Ally Financial and via the 3 credit reporting agencies, requesting any SIGNED contract between my person and Ally Financial and documents that proof that Ally Financial had the right or my autorization to sell all my Confidential Private information to Portfolio Recovery Assosition, as SSN, mail adress, Names, phone number, birthday date etc etc. 

WELL NOW IF IN 15 DAYS FROM THE DATE THAT ALLY FINANCIAL SEND ME THE ADVIDAVIT FORM/ LETTER REQUEST ( XX/XX/XXXX ) I DO NOT RECIEVE ALL THE REQUESTED DOCUMENTS THAT I AM REQUESTING SINCE 8 MONTHS AGO I WILL NOT HESITATE AND WILL FILE A LAWSUIT AGAINST ALLY FINANCIAL BANK IN MY MUNICIPAL OR LOCAL COURT.

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 2018-02-23
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notification from my credit monitoring service that my score went down 50 points because this debt collection agency report inaccurate information for a debt I have already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX  loans with nel net first account number  XXXX  there is a direct and a sub direct. well several times i made large lump payments ov er 1000.00 t o bring down my loan balance and they applied to to interest. I was never late on my loan so i had no past interest due. when i questioned them i was told that that is how they handle there loans that any addl money paid gos to future interest not the principle. i thought this was weird practice so i never paid them a lump some again. I have paid off the loan however i believe they have robbed me and applied my monies incorrectly and i can not get them to fix the issue.     My name is :  XXXX   XXXX   XXXX  date of birth is  XXXX / XXXX /  XXXX   last  4 d igits of social is  XXXX  address is  XXXX   XXXX   XXXX   XXXX , ca  XXXX  phone  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: PA
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: Chime Financial Inc
State: GA
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:
My account was hack a few days before XXXX, Im working in the XXXX as an XXXX over 130 hrs a week for someone to take my funds from my account and move to ( XXXX XXXX XXXX XXXX ) another then closed the account without my authorization. I spoke with countless of representatives to the floor managers as well through about a dispute over emails and phone calls no one can help me not even with a print out of my past transactions from XXXX showing the money being taken so I can show proof to authorities to pursue filing the police report whomever took over two grand out of my account. Chime ( XXXX XXXX ) has not done anything to assist me with this matter and Ive been banking with them for over 1 year and this is the first and last time Ill never bank with a crooked company such as this one again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I received my monthly TD bank statement and saw transactions that I did not recognize by what appeared on the statement as XXXX which I learned later from the bank that it was a payroll company called " XXXX '', XXXX of them were deposits of small amounts then a withdrawal of {$40000.00}. I contacted the bank immediately because this is an account I had saved for my pension and I never use it to make any transactions and it was shocking for me to lose this amount of money and I never authorized these transactions nor did I ever hear about this " XXXX '' before. The bank was not cooperative. I filed an ACH dispute on XX/XX/XXXX which the bank denied in a letter on XX/XX/XXXX claiming that I should contact the company that withdrew the money myself. After consulting a lawyer, I sent them another letter on XX/XX/XXXX regarding my lawful rights for the ACH dispute and unauthorized transfer explaining to them the laws of the EFTA and Reg E. They acknowledged receiving the letter and they said they will answer it. I gave them 10 days in my letter to answer me but it has been three weeks and I have not heard from them. They are now avoiding any attempts that I make to contact them. Since then I closed my account with them and opened a new one in a different bank because TD bank was obviously too vulnerable to a scam and yet would not acknowledge their mistake nor help me get my money back. 
I am attaching all necessary documents that supplement my problem and they have a better explanation of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BELOW IS AN ABSTRACT OF LETTER WRITTEN TO SETERUS, INC on XXXX/XXXX/2015 : My loan, formally with Bank XXXX, is currently being serviced by Seterus XXXX Inc., effective XXXX XXXX, 2015. After the loan was transferred ( around mid-XX/XX/XXXX ), I called in to get my loan balance and the general status of the loan. I was then told that the principal balance was {$360000.00}, however ; according to the " XXXX XXXX '' script, my loan balance was {$370000.00}. That peaked my curiosity because the loan modification documents I have indicate that my new loan balance, as of XX/XX/XXXX 2015, was {$360000.00}. Obviously, the XXXX script was not consistent with my modification documents. After many calls over a one- to two-week period, I was finally told that I had an escrow deficiency to the tune of {$10000.00}. This can not be correct as the " Clarity Commitment '' letter sent with the modification documents indicate that {$9500.00} of taxes and insurance not paid by me was included as part of the new, modified principal loan balance. 
I was approved for an " affordable '' modification in XXXX 2015. I began making the initial payments of {$1300.00} as required by the terms of the trial period. After making XXXX successful payments, I was told by Bank XXXX XXXX that the loan was approved for a final modification. The modification document dated XXXX XXXX, 2015 required a payment of {$1500.00} to be made the XXXX of the month beginning XXXX XXXX, 2015. 
Over the last XXXX months, I have not been able to get Seterus to resolve issues with my account resulting from the escrow portion of my payment being inflated by approximately {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I arrived home late tonight from a long trip and found that my internet cable connection and landline telephone service had been knocked out by a neighbor 's tree that fell in my yard. So I tried to get into my bank account through a mobile wifi device. However, despite the fact I have not asked JP Morgan to identify my computer, it insisted that it " did not recognize '' my computer and demanded that I call a phone number to get a code. I did so and wasted a lot of time answering idiotic questions, allegedly from " public records. '' Because I did not provide the answers that it wanted, they would not provide me the code to get into my account. I have been denied access to my account and money at JP Morgan for two or more weeks now. The data sources JP Morgan uses in this stupid little game are inaccurate ; I have no way to guess the right answers they want. 
JP Morgan should not be allowed to deny its customers access to their accounts by their fake " security '' procedures that do little to protect me from real cyber crime but reliably deny me access to my money and accounts. This is the worst kind of bad faith pretense of something that provides JP Morgan with an unreliable excuse for its bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
My home is being sold TODAY XX/XX/2017 AT XXXX ... .JP MORGAN CHASE purchased my mortgage I got behind on my mortgag they started foreclosure proceedings I then they came to a modification agreement with me and sent me a letter on 3 different occasions stating they withdrew the foreclosure complaint and to disregard the foreclosure papers then my loan was sold to XXXX I had to begin the modification all over meanwhile my foreclosure which has JP Morgan Chase as plaintiff continued despite the fact they said to disregard it because JP Morgan Chase led me to believe the foreclosure was withdrawn by them and TOLD ME TO DISREGARD COURT PROCEEDINGS I didnt appear in court JP Morgan was awarded judgement I have been trying to get JP Morgan Chase to stop the foreclosure since they are the only named plaintiff not realizing tmy new servicer XXXX was some how the one really moving ahead with the foreclosure sale so they should have been who I was working with but I did not know because JP Morgan Chase is the Plaintiff on all the court documents and XXXX never sent me any information that i requested they lied said they did offered proof of mailing which clearly shows only a XX/XX/XXXX mailing date and two letters stating they were researching the information I requested regarding my modification with XXXX and where the payments went and if they were honoring the modification instead they just stalled and used the fact that JP Morgan was the listed plaintiff and that I thought I was supposed to be working with them as a stalling tactic ... the fact I thought JP Morgan Chase was who I had to work with is evident in the amount of complaints I have filed with you against JP Morgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have no outstanding debts owed that I am aware of. Americollect has called numerous times almost daily and has now begun calling me outside of the legal time frame before XXXX and after XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation