BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
First of All, Im not sure if I have put the correct category.

That being said, I wanted to file a complaint against CHASE BANK. They LED me to believe I could buy a car through their network of car dealers and then I would apply for an auto loan and get my APR. 

I have included many screenshots of what I am about to state... 

On XXXX I applied online through CHASE BANK for a soft/pre approval XXXX loan. I was pre approved for XXXX. 

Then today, XXXX, through the CHASE email that stated I was pre approved, I clicked through by clicking on CHASES " shop for your car '' BLUE BUTTON believing that I was using the network of dealers who work hand in hand with CHASE.

At that point Im wondering whats the APR? Well, I have to find my car and price online and then CHASE would ask me some financial info like, down payment, terms and of course the cost of this car. So, I then hit the CHASE " shop for your car '' BLUE BUTTON where I proceeded to put in my car choice, XXXX XXXX XXXX. Then up popped a few selections and I found a car I liked at a price ( MSRP {$25000.00} ) I was willing to pay and finance AT CHASE.

Everything was good at this point, I just needed to know what the APR was at CHASE. They needed more info from me, so I was great, im ok with a HARD CREDIT PULL, since I like what I saw. 

I clicked through the CHASE " get prequalified '' BLUE BUTTON and gave them my info. 

At this point I cant show any more SCREEN SHOTS since that required another HARD CREDIT PULL -- but I did fill out all the info CHASE needed -- like how much was i willing to put as down payment, ( i said {$10000.00} ) and asked for a loan up to {$20000.00} which should be enough to cover the MSRP {$25000.00} + TAX and some XXXX fees and I put my terms as 60 months. Now with this HARD CREDIT CHECK i should get my APR % AND MONTHLY PAYMENT AMOUNT.

So I got approved for the {$20000.00} at the terms at 6.64 % on APPLICATION ID XXXX and they state I was to contact their dealer- XXXX XXXX. 

I did just that right after the I got the email. BUT THEIR was a problem at XXXX XXXX. They state that the price on the internet wasn't {$25000.00} ( see screen shot ), but they have a Market Adjustment Fee of {$2500.00}. that was NEVER MENTIONED anywhere on the internet and had I known this {$2500.00} Market Adjustment Fee was being charged I would have done a HARD CREDIT CHECK with CHASE.

So I proceeded to call CHASE on the phone to let them know they led me on with all these links only to be duped, BUT when I asked the auto loan gal to remove the HARD CREDIT CHECK, they said THEY CANT REMOVE IT?? 

So here I am filing this complaint on CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I requested validation from Discover about an alleged debt as part of a complaint Discover started in court. I received correspondence from Discover dated XX/XX/XXXX, stating the alleged account was opened in XX/XX/XXXX. That a credit card was issued on XX/XX/XXXX, Discover also included alleged statements from XXXX XXXX XXXX. 
Additionally, Discover mentioned there is an outstanding judgment and the alleged account has not been sold. 

This does not constitute validation. The documents provided are incomplete and validation is not possible. How can Discover file a claim against a consumer if they do not have a valid alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America Credit Card monthly payments drastically increase after a confusion over the phone. I applied for the credit card over the phone under the assumption that it be zero interest rate for the first 8 months. However, it became a credit card that incurred a very high interest. The first and only late payment occurred on XX/XX/2019. I called to solve it, which the bank apologized for the confusion ; thus, did not honor my request to make it zero interest as I thought it will previously be. I recently gone through financial hardships with my business. Nevertheless, I continue to make all my payments on time. Because of the confusion and the time span trying to solve the miscommunication I incurred a late payment. The late payment drastically dropped my 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 monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: PA
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:
I disputed a bankruptcy with Experian. They claimed to have verified it though XXXX XXXX. They will not tell me any more information on it. I asked them if they verified it though the courts directly and not a XXXX party. They said no. I then proceeded to ask them to delete this or verify it directly through the courts and they said they dont do that. There for it is illigal to keep this on my report and most be removed but they said that's not how it works. According the FCRA, this can not be verified by a XXXX party and must be directly from the courts. This needs to be removed. They did not conduct a proper investigation.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REPORTED THIS TWICE TO DISPUTE XXXX XXXX/XXXX ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS XXXX AND TRANSUNION COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 : This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-26
Company: Experian Information Solutions 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:
Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent

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 2022-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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:
CFPB WRITE UP In accordance with the fair credit Reporting act Citizen XXXX 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 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible XXXX XXXX XXXX {$25000.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} XXXX XXXX {$1000.00}

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 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Incorrect Information, account closed or no balance., Companies give me the runa round send me to employees that can not help or has no information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Jim Bottin Enterprises, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My issues with XXXX XXXX  goes back three years or more. I signed up for a gym membership and personal training XXXX XXXX XXXX XXXX XXXX XXXX, I recived traing for almost a month until I caught XXXX at the XXXX XXXX. I calleed in and told The fitness trainer I was going to be out for Some time. XXXX XXXX XXXX said No problem Call us when your better. During my XXXX I had to under go XXXX XXXX XXXX XXXX. I called the fitness center to cancel my membership and was told that a freeze would be placed on my account and I did not need to pay until i got better. Within 3 months I started recieving collection notices. I called the gym and I basicaly got the run around and even one of there staff stated that XXXX and XXXX XXXX  were no reasons they could use to cancel my membership. I tried to fight the membership issues but kept getting pushed around to differnt manger. All the while trying to XXXX from XXXX  XXXX. I let time lapse and decided after 2 years to visit XXXXXXXX XXXX XXXX  XXXX XXXX location and speak with the fitness manager XXXX XXXX on XX/XX/2023 about my Membership outstanding fees. He stated that he would erase the fees and past dues in exchange for a new contract plus add extra free training. I decided to move forward with the plan and paid the entire amount up front. I completed my training as well as my contract XX/XX/2023. I decided to do one more sesion which after completing my first session I was told the second session was not under contract for the another session and I could quit anytime. This holds true as is states on their website. My First month of training I noticed I was being overcharged and braught this up to the manager XXXX and he stated this has to be mistake and he would take care of this issue. Being fed up with terrible service and a manager who promised free training for all the issues Ive had over the past did absolutly nothing but charge me for every service plus he never erased any of my billing issues from XXXX  XXXX location. My final termination of services was sent to XXXX XXXX XXXX XX/XX/2023. My last day of traing was XX/XX/XXXX which services were never rendered due to and Argument with the XXXX and the trainer both stating that they had no idea I was quiting. This is why I made sure to email XXXX about my termination. He then claimed that he didnt see the emails then retracted his statements. He then said he would cancel my membership on the spot. This never happend and I have been fighting the billing staff about payment as well as sending emails and letters to XXXX  and not getting any responce. The collection services sent an email stating I owe {$47.00} and the XXXX location manager said I owe {$20.00} Now I just recieved another letter stating I owe {$470.00}. The billing is all over the the place without sort bill reflecting these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: CA
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, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-26
Company: EQUIFAX, 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:
Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diaz & Assoc. sent me a fraudulent debt collection letter dated XX/XX/2023, stating I owed a debt balance to XXXX XXXX XXXX for {$5800.00}, offering to settle for {$2000.00} if received by XX/XX/2023. I have never had any kind of account with XXXX XXXXXXXX XXXX, and I don't believe Diaz & Assoc. represents them. They state report may have been made to Credit Reporting Bureaus. I believe they targeted me because I am an XXXX XXXX XXXX elderly person. I researched this company and found XXXX complaints filed against them with the Better Business Bureau and a class action lawsuit..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/ some made a purchase for XXXX. I tried to activate my card they system would not let me. Called talk to customer service. They did nothing. And acted like they don't care

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
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:
Im more XXXX XXXX XXXX cuestomer of wells Fargo and every year they tried to get more money about new charges and some time they dont send any notification about the new policy or changes. And I have too many issues about other things.

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 2022-12-21
Company: Credit Karma, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
on or around XXXX I saw a lot of pre-approvals on credit Karma but credit karma kept sending me all sorts of pre-approvals, telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car everyday day I see these offers every time I logged in to check my credit scores, so after a few months of being told I was preapproved I thought I was in the perfect place to apply, I started telling my family and friends about different vacations and businesses we were going to get into because of the pre-approvals that I was being offered, so I finally applied for a credit card and a personal loan around XXXX, then in XXXX only to find out that I was being denied every time, I was distraught, angry and I felt deceived, I was being marketed too for months before I had applied, credit karma told me that I was pre-approved, that was a lie, I was severely stressed, nauseous and migraines, my anxiety went thru the roof, this has made me so uncomfortable I don't check my credit like I use to

Company response to consumer: Closed with explanation