BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX Application for Chase Ink Preferred Business Credit Card was submitted. I called today to inquire as to the status. I spoke with XXXX in the Lending Department and was transferred to XXXX at Chase Business Accounts. He stated the account was denied to too many accounts. I then stated I do have personal credit cards and the only way to apply for a business credit card is with the use of a personal SSN despite the line of credit being extended to the company and use of FEIN. I then asked if is there a reconsideration phone number, to which he said no Chase Bank does not have that, this in itself is most certainly untrue. 

I called the business reconsideration line, XXXX, and spoke with an individual there who too told me the same thing. I asked how was this decision made. He stated that it was a systemic response. I asked what exactly does that mean-what 's the definition that Chase has provided for this term. He said it means just that. I asked was this reviewed by a human or machine / auto gen response. He repeated that it was a system response. I asked how was this decision rendered. He said " the system rejected it. '' I asked if a person reviewed it and or called me. He stated they do not do that. This is not true as when I applied for my Chase Sapphire Reserve credit card a representative from Chase did call me to verify that it was me and had personally reviewed my account and stated that yes I was approved. I then asked was this systems response due to their " 5/24 rule ''. 

" If you have 5 or more new credit card accounts in the past 24 months from any lender, you will get automatically rejected, no matter how good your credit score is. This policy is called the 5/24 rule. '' After several moments of silence he continued the conversation and avoided addressing the " 5/24 rule '', he then stated that they do not personally review accounts which I know to be false and find this to be discriminatory. 

The problem with this rule does make exemptions for authorized user accounts as it can not denote the difference. In addition they stated they do not personally review accounts which I know to be false and find this to be discriminatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-28
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX XXXX off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX  XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX  XXXX collection account XXXX XXXXXXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I experienced financial fraud on my Citibank card, multiple charges. I have had extensive challenges completing this project with Citibank. They removed XXXX charge but left another that has been compiling interest and fees since XX/XX/XXXX even though it was reported. I filed this in a dispute with XXXX ( XXXX ID number XXXX ) but I haven't had the card closed in response to the report. I have attached some evidence associated wit this case. I do not have a dog and my phone number is a XXXX area code ( see attached folio for fraud charge in question ). 

The CitiBank communication portal online is not working to complete this task and I am disabled.The account was not closed and thus unauthorized charges have been made between the dates of XXXX XXXX, XXXX to present day.

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 2021-07-19
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I had a XXXX take me to a bar in XXXX, AZ. I went to the location suggested by my driver. It turns out it was a XXXX XXXX operated by XXXX XXXX and they run a very rough and poorly rated operation. XXXX  reviews show hundreds of similar complaints to mine and the XXXX  rating is a XXXX for the bar. As soon as I walked in I was taken to a back room and basically forced to give my debit card and all my cash ( {$200.00} ). They did this in a very threatening way. The club was pitch black and I was there for 5 min. I wanted Out of there and I escaped. I contacted chime bank the next day and they told me how to file a dispute. I felt then as I do now that it shouldnt be a dispute but rather a theft claim. They said it would take no longer than 90 days to investigate and clear and refund me the money however its been longer than 90 days. When you called and no one can help you they open a Ticket with their investigation team with you no one can contact on XXXX XXXX because supposedly takes three days and still no response. I contacted them today they cant see why The investigation team didnt respond in the three days theyre allowed so they are adding another three days. Its a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Allied Collection Services, Inc. (Nevada)
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:
I had my identity stolen from XXXX XXXX also from another institution about 5 years ago. XXXX reported XXXX phone said i owe {$210.00} for phone service. I have been with XXXX XXXX phone service for XXXX years. I found out about this through credit monitoring service i was supplied by the XXXX for free because my identity was stolen i didn't open this account, I don't know the phone number or account number. I have great credit almost XXXX. This reported dragged my credit down about XXXX points. Please help me get my credit restored. XXXX XXXX will not help. I filled 3 disputes. Also the collection company will not return my call.

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 2018-10-23
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: IL
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX Data breach and may have got into the 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 2020-07-14
Company: EQUIFAX, 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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-10-23
Company: JPMORGAN CHASE & CO.
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:
Monday XX/XX/2018 @ XXXX I received a notification that my credit card was used at XXXX for {$240.00} on my Chase credit card. I called XXXX to find out what it was as I didn't not have an XXXX account nor has my card ever been used on XXXX ; they said it was 2 books ordered on an account open with my name and address. They said they were closing the account as was fraudulent and start an investigation. I then called Chase credit card and they canceled my card and removed the fraudulent charge of {$240.00}. 
XX/XX/2018 another {$240.00} from XXXX posted to my reissued card. They started a " new investigation '' and denied the dispute. These are not my charges, this is fraud. Someone stole from me and I have to pay for it? This isn't right. 
Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a XXXX XXXX on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been thirty days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If XXXX is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a XXXX error. 

I spoke with XXXX XXXX from XXXX offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following accounts was charged off XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, XXXXXXXX XXXX XXXX Account XXXX : XXXX Best Regards, 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 explanation
Consumer complaint received 2018-08-15
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX XXXXXXXX dba XXXX. The previous servicer of the loan was XXXX XXXX XXXX XXXX. Caliber became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on JXX/XX/XXXX. additionally to an open appeal and oral hearing before the Bankruptcy Appellate Panel ( BAP ) ( Case Number XXXX ) where standing has been challenged. 

As a result of divorce in XXXX, and losing 50 % of my income, I became delinquent on the loan for $ XXXX, and they began foreclosure on XX/XX/XXXX ; however, foreclosure proceedings are moot and have been suspended pursuant to the active bankruptcy stay. 

I requested clarification of the balance of my loan and according to XXXX they owned it which was not legal and per XXXX could not be sold. Caliber claims that ownership of the loan has been transferred on multiple occasions but has failed to provide any evidence to that effect. They claim that the loans investor is XXXX XXXX XXXX XXXX, ( a Statutory Trust created in Delaware ),  and that XXXX XXXX XXXX, XXXX, is the trustee. I have contacted XXXX XXXX and they deny any involvement with my note. 

Caliber claims to be the loans servicer and I have filed varios modification requests which remain unanswered. They claim that a document filed by the Trustee reflects that as of XX/XX/XXXX, the bankruptcy trustee paid {$6300.00} to Caliber which is still unaccounted for in the recent payment history Caliber has sent me.

I therefore request that the CFPB get involved and audit this loan for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX MS XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} 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