BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am quite sure that Chase discriminated against me due to age in deciding not to issue a credit card to me. I applied for an Amazon Prime Visa Signature card through Chase. My FICO credit score is extremely high, in the XXXX. I have an excellent credit profile. Only XXXX credit cards issued at the time of the application, no delinquencies in the past XXXX years, and I pay off the full amount on any card on a monthly basis. 

Chase claims to have denied me a card based on the following, which will be seen are all pretextual : 1. " Past or present delinquent account obligations withchase. '' [ Typos in original ] I have never had a delinquent account with Chase and don't recall having an account at Chase. Moreover, I have had NO delinquent accounts in the past 7 years with any creditor, Chase or otherwise, Accordingly, this is clearly pretextual.

2. " Insufficient or no balance in Chase deposit and/or investment accounts. '' No I do not have a Chase account, but this reason seems entirely pretextual. I strongly believe that Chase provides credit cards to persons with my credit profile who do not have an account at Chase, but who are 10 years younger than me ( I am XXXX ). 


XXXX. " Too many revolving accts opened in 1 year compared to all revolving accounts. '' I have four revolving accounts, one of which was opened in the past year. I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

4. One or more request for new credit in the past 12 months. The only request for credit in the prior 12 months was for a credit card ( approved ). I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

The reason that I make this complaint is that I believe that Chase is discriminating based on age not only against me, but also in its credit algorithms to unlawfully deny credit to elderly people. I think that the CFPB should investigate Chase 's practices in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks and XXXX & XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
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 numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2021-02-12
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We originated a refinance mortgage with M & T Bank, settling in XX/XX/2020. During the origination process ( which took almost 3 months ) we received our appraisal and immediately questioned the value, which was low, and pointed out that the appraisal had factual inaccuracies that caused the value to be low. We were told by our originator that there was nothing we can do. The low value caused us to have to pay PMI of XXXX {$200.00} per month. We reached out to the Bank after closing and asked to have the mortgage insurance removed, and were sent a form to fill out which also authorized the payment of {$550.00} for a new appraisal. We authorized the charge, and a new appraisal was performed on XX/XX/2020 for an updated value that we felt was accurate, and lowered our Loan To Value to below 80 %. However, our request to remove the mortgage insurance was denied because we have not made at least 24 payments, and because the increase in value was due to market appreciation and not repairs or enhancements. 

This is completely unfair to us as consumers. First, when speaking to the bank we were upfront that the request was for a new appraisal due to errors in the original appraisal. We were never informed of a requirement that the loan must be seasoned for 24 months and requires improvements to the property. Second, the whole reason for doing this soon after settlement is that we were told we have to accept the value of our initial appraisal, even though we pointed out numerous factual inaccuracies.

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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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. 

XXXX XXXX  30-day Late Payment - XXXX XXXX XXXX  XXXX 90-day Late Payment - XXXX XXXX XXXX  60-day Late Payment XXXX XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXX  Charge Off - XXXX XXXX XXXX120+day Late Payment - XXXX XXXX XXXX - XXXX XXXX XXXX 30-day Late Payment - XXXX XXXX XXXX XXXX- Collection - XXXX XXXX XXXX 30-day Late Payment - XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXXXXXX Charge Off - XXXX XXXX XXXXXXXX XXXX Bankruptcy - XXXX has violated my rights XXXX 

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 explanation
Consumer complaint received 2021-09-03
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an email stating i was guaranteed a loan with reasonable monthly payments with monthly installments up to 12 months I applied was told i was approved for the amount of {$1200.00} Gave them the info needed for the deposit and that monthly payments would be withdrawn On the XXXX of every month This was in XXXX I never received any paperwork of any kind In XXXX they withdrew {$590.00} from my account I was taken back by the amount withdrawn I called XXXX at XXXX XXXX And questioned them about the amount withrawn i said it seemed high and was rhat what they were going to charge me every month for a year? 
They said yes I adked what ratevof interest were rhey charging snswwer 450 % Unbelievable! 
Is that legal? 
They said if i wanted i can pay it off early and all i had to do was pay {$1700.00} I have paid them monthly but i am on social security I cant afford this I have paid the amount borrowed almost three times over already I believe what they are doing is illegal there should be a limit on interest i need you help I have called them again And received the same 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 2021-09-04
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:
You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
After receiving an American Express E-Gift Card from my employer, I attempted to go online to purchase some items. According to the instructions on the email for the gift card, it states that in order to shop online you must select " Credit '' as the payment method ( Do not select " Gift Card ''. It goes on to state that in the payment method section, to enter the card details as you would a credit card and for the billing address, fill in your name and address. I followed the instructions exactly as stated on four ( 4 ) separate e-commerce sites such as XXXX XXXX and XXXX and the card/purchase would not go through. I twice contacted the American Express Gift Card Customer Service line on Thursday, XX/XX/XXXX only to be told both times that 'the funds are being protected ' and that I should try other websites until I find one that accepts the card. Needless to say that is unacceptable. If American Express is selling a banking product/gift card that is supposedly for use anywhere that accepts the AmEx logo, which these website do, then the resolution should not have been to tell me to continually search websites until one goes through. What is unusual is that for each attempt on a website, a {$.00} pending charge is executed. Meaning that there must be some connection between the webpage server and the AmEx server but the actual cost of the purchase does not go through with a message stating something went wrong and to use another card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this two number two times with the credit bureau XXXX XXXX they took it off my credit report in a few months later they put it back on under two different names

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my 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 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 XX/XX/2023 Cap One Na Reported an inquiry on my XXXX and XXXX report that I did not authorize. I am filing this complaint so this can be fixed and removed immediately Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice that I was put in collections for a utility bill by Transworld services. The bill is for a XXXX TX address and I live in XXXX XXXX TX. I have never owned a property or lived in XXXX TX. They told me they would investigate but when I call for an update they say they are still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit 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:
XXXX advertisement on their website says I could get a {$200.00} ( XXXX XXXX XXXX  ) statement credit if I open a credit card, get approved and purchase a XXXX ticket with them and pay with the credit card, all was done, when I contacted the XXXX customer service, they said I should see the credit on the 3rd statement, Ive using the card for 6 months and never got the credit, called them many times and they keep pushing me around to different people, its matter of honor what they promised, thats all I wanted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had a checking and savings account for many years ( since they bought Washington Mutual ) with Chase Bank. My savings account was set up as a Basic Chase Savings account that required me to transfer {$25.00} per month to not charge fees for having the savings account. I just discovered they have been charging me {$20.00} per month since XX/XX/2017 when my savings account was changed to a type that required {$15000.00} daily balance. I escalated and spoke to three people there that all said they see no record of me changing the savings account type and they are not sure why that happened. 
They have now taken nearly {$1000.00} and have no record of me changing the account type. They changed back to Basic Chase Savings today and fees should stop but will not and can not refund anything over {$100.00} they said. 

So while they feel bad, they can not help me. Chase has done something under-handed here and I am guessing I am not the only XXXX. I do watch my checking but have been very busy and have not paid a lot of attention to the savings since I didn't expect any real change. And it can be a little confusing with the monthly transfer. I do not get paper statements. 

I feel they should refund the whole amount since they have no record of me changing the account type and they have practiced in a shady manner. 
The managers I spoke to were XXXX XXXX -very nice but could not help so transferred me to another manager XXXX XXXX . I believe they are in XXXX Ohio. ( Please remove names of Chase reps for publishing thought could be helpful for research is all ) thanks very much. 

*I had a similar issue with checking some years ago there and believe this could be intentional at some level for revenue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I met this guy on XXXX that was a mobile body shop. I sent him a picture of the dents in my car and he said that he could remove them. He came to my home and placed some pink paste on the dents. He told me that I couldnt remove the paste for 48 hours. He wanted payment prior to the paste being removed. Once I removed the paste, I realized the dents were still there. I contacted him and explained and he said he would come the following week but I told him I was in the process of selling my car and wanted a refund and was willing to accept a partial refund. He stopped responding to my messages and eventually blocked me. I reached out to cashapp and sent screenshots of our text and photos of my car so that I could receive a refund. Cashapp is saying they cant refund me due to payment being completed after I explained to them that I was scammed.

Company response to consumer: Closed with explanation