BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is a further issue with an already existing complaint. That number is XXXX. I just received another letter that restates the already obvious position of Chase Bank. They have contradicted previous statements, and apparently did no due diligence. Every time I have called, the representative said that I had met all of the criteria, and that the 5 % should and would be automatic. They have lied to me and repeatedly used the same loophole, which I have caught, and have been compliant with since XXXX, 2019. Their issue was that I did not pay for my Amazon membership with the Chase credit card. That is incorrect, and easily verifiable. I did pay for the Amazon membership with the Chase credit card since XXXX of 2019. There was no lapse in my membership and i have never missed a payment to either organization. I will include their most recent denial letter, which I received in the mail yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Maryland XXXX RE : Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. On XX/XX/2021 I was refused a refund and cancellation of contract with XXXX XXXX or Capitol One XXXX after the vehicle was towed to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Maryland XXXX 2 days after purchase. They replace the battery and gave me a car fax and stated I can not return the car.Furthermore, XXXX XXXX XXXX XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. 

I, XXXX XXXX, participated in a consumer credit transaction and not a loan : Pursuant to 15 U.S. Code 1602 ( i ) ; Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me by your organization in direct violation of this law. 

You XXXX XXXX XXXX also accepted a cash down payment of {$4000.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction.

Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) : one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, XXXX XXXX XXXX, willfully violated this law when you failed to disclose and provide all information clearly to me as the consumer. 

Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this recession, I am not liable for any finance charge, and any security interest becomes void effective immediately.

Take further notice that 20 ( twenty ) days after your receipt of this notice, you must return any money or property given as earnest money, down payment, or otherwise. Also, you shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a vehicle ( XXXX XXXX, XXXX ) The contract reads 74 months now the lease term reads 75 months. I stated I am divorce and ask if car payment can be lowered. ( was denied )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sent cashier 's check XX/XX/21 to pay off mortgage. I included my pay off quote from the company also. It was cashed XX/XX/21, misapplied as a payment and not as a payoff. I wrote the company advising them of the misapplied payment and telling them the CFPB says they have 20 days to properly apply the payment and return any escrow. They acknowledged my letter online XXXX in the matter of a form letter saying they have 30 days to make it right. Online the account is still showing with an outstanding principle, no letter in writing has been received and no escrow returned. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

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 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 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 I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

Thank you for your attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX 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 2023-08-14
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I have applied for the loan from XXXX in XXXX and it's proceeded on XX/XX/2023. I have not received the fund to my Chase bank account. I confirmed that my information : account number and routing number are all correct. 

XXXX XXXX XXXX  XXXX XXXX XXXX  as sender. They should have sent XXXX $ to my chase bank account. I contacted to My bank, but they can't do anything since they do not see any transaction. 
I opened case to XXXX. XXXX requested to XXXX XXXX about the transaction. XXXX XXXX replied them that JPMorgan Chase confirmed the transaction has received with no return. However, Chase does not see any action happened to my account. 
I asked XXXX to provide proof of payment, however they are rejecting it, and just provided trace id. I contacted again to Chase bank with this trace id, no luck. 

Amount I'll receive {$43000.00} Sender : XXXX with XXXX XXXX XXXX date : XX/XX/2023 Receiver : JP Morgan Chase Effective Date : XX/XX/2023 Trace id : XXXX XXXX, XXXX XXXX, Chase are not helping to locate my fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Notice of Effective Assignment CONSUMER PROTECTION! 

47-50-109 Procurement of breach of contracts unlawful Damages by assignor XXXX XXXX and assignee Bridgecrest NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This has reference to Contract dated XX/XX/2020, entered into between myself and XXXX, XXXX XXXX XXXX, XXXX, TN XXXX, assigned to Bridgecrest. I issued a receivable for financing and the seller nor the financing agency has committed to incurring obligations and making advancements under this purchase money loan, which is a cash advancement. 

Seller has been operating in insolvency. 
Seller has committed theft of property and services. 

Within the attachment is a authenticated demand of assignment, therein are a list of violations laws and regulations of XXXX and Tennessee codes committed by seller XXXX XXXX and Bridgecrest from the creation and inducement of the contract. 

Also included are Federal Trade Commission 's Staff Guidelines On Trade Regulation Rule Concerning Preservation Of Consumers Claims and Credit Practices Rule, in which both the seller and assignee committed violations among others. 


Remedies also included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Synovus Bank
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter XXXX XXXX. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee. 

I do not agree with the companies policy of waiting 10 weeks to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX. The charge off carrying a balance. This is in violation of FCRA Section 604 ( A ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2022-03-16
Company: EQUIFAX, INC.
State: GA
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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 my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$6100.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$670.00} ; XXXX XXXXXXXX XXXX. XXXX ( Original Creditor : ) XXXX Balance : {$930.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: NY
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: Problem with personal statement of dispute

Complaint:
I spoke with a rep. of Macy 's Department Stores about resolving the error in reporting my payment to the credit bureaus and explained that it was not my fault that the balance of {$86.00} XXXX? ) was not paid on time. This balance was a Macy 's XXXXmerican Express Card account, which was offered to me by Macy 's because of my excellent record with their Store card. 
In the thick of the Coronavirus pandemic in XX/XX/2020 all stores were closed in the XXXX XXXX XXXX Metro area and so I could not go to any store to pay this balance. I called several Macy 's stores around to see if they had skeleton staff to receive payment by phone but no one picked up. I went online to see if I could pay but even Macy 's system did not work. I sent an email from their website to inform them that I could not pay because even their system was not cooperating. Macy 's sent me an email from their secure message box that they will send me an email when their response was available, see attached. They did not get back to me again and Macy 's stores were still closed until much later in XXXX XXXX. 

I received a statement in XXXX that I had a late balance and I quickly paid. Even the late fee was written because Macy 's stores were still closed in New York for months to come. I later received a letter in XXXX ( attached ) that I had been reported to the Credit Bureaus for paying more than 30 days late. I called and tried to explain to them what happened and that it was not my fault because coronavirus pandemic made all stores to be closed in XXXX XXXX Macy 's  website did not function properly and that I had a letter to prove it. They turned the telephone request down. 

On XX/XX/2020, I sent a registered letter to them attaching documents, viz., email letter from Macy 's (  attached ) and excepts from CARES Act 2020, and up till now I have not received a response. The last time I spoke with Macy 's, XX/XX/2020, I was told I will have an answer within a month but none has come. 

I had built my credit to an excellent level and had never had a late payment. And to have a late payment in the current coronavirus pandemic tarnish my image would be unfair particularly when it was not my fault since I had made attempts to pay within the payment period. Now I have taken a hit of more than 30-40 points in FICO. I would like their decision to be reversed.

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