BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got a chase credit card which had a promotional rate of XXXX united miles upon signup and spend of {$5000.00}. Two days after the card was issued, the promotional offer went to XXXX miles. I had called the company and they indicated that they would honor the new promotion and add the miles in the next statement period. That was over 5 months ago. I have been calling at the close of every statement period and I keep getting the same answer- it will be added in the next statement period. This is deceptive marketing and waste of customer 's time and effort. I am still missing the promised XXXX miles from my united account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Westlake Services, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX ... ..XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ ) that Experian review a bankruptcy on my credit report that does not belong to me. They did not accurately verify the information and only looked at the last four digits of the social security number. I initially received a 24 % interest rate on a car and my interest rate on my home is higher because of this. I have sent letters from the court and asked that they verify all information. They said they have reason to believe it belongs to me.

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 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
BANK OF AMERICA CREDIT CARD SERVICES CLOSED MY CREDIT CARD ALLEGING THAT I MISSED FOUR PAYMENTS. I MADE TIMELY PAYMENTS THAT WERE ALLEGEDLY REJECTED BY MY BANK FOR UNKNOWN REASONS. I MADETHESE PAYMENTS IN GOOD FAITH AND BANK OF AMERICA CLOSED MY ACCOUNT FOR FALSE AND UNFOUNDED REASONS.

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 2023-06-09
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
According to I.Q. DATA INTERNATIONAL INC. the debt is for {$1200.00} fee was included in. The date is for XXXX. I had a lease with XXXX XXXX XXXX. I reached out to XXXX XXXX of the apartment. He was supposed to get back with me to tell me the adjusted amount. Last weekend of XX/XX/XXXX, I moved out. I went back to finish cleaning I noticed an eviction notice on the door with false amount. In XX/XX/XXXX, he told me he would reply to me once the amount has been adjusted. I never heard back from him. Instead I received some harassment calls from XXXX to request a payment. I had blocked the number. I also received a mail from the debt collection. Please read below the emails between me and the manager Your account is closed XXXX XXXX. No additional fees are going to be added. Please be patient as we fix your ledger. We had to put a ticket in to resolve the issue. You will be notified once your ledger is corrected. 

Get XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Good morning As of this morning, I have not seen any update on it yet. Today is the last day to avoid any fee. I can't afford any more fees. 
Thank you From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Hello XXXX XXXX, We are working on adjusting your ledger. I will email you back once it's completed. 
From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : XXXX Good afternoon I attempted to get in touch with you over the phone when I called the first week of XXXX. However, I was transferred to a lady I think it was XXXX if not mistaken. I know according to my note my last day was going to be on XX/XX/XXXX. I spoke to a lady that week and told me I could come in Friday XX/XX/XXXX. It was raining I could not come. I came in that Saturday. After clarification, the ladies allowed me to go in. I went in I saw a bill for over {$1200.00} attached to my apartment on the inside and it was an eviction notice. I had already moved out that weekend prior. One of the main reasons I could not stay in that address is because I have some stalkers for the well being of my daughter and I had to. I am willing to pay my balance and you can keep my deposit if you have to. I need the balance to reflect my last day of moving out please. If possible, is there a way you can take one of the late fees? My income has not changed and I would appreciate everything.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: JPMORGAN CHASE & CO.
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 XX/XX/XXXX JPMCB auto finance placed a late payment on my consumer report without my consent. According to 15 USC 1681 ( b ) permissible purpose consumer report clearly states subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom he relates. Based off the law of the FCRA 15 USC 1681D stated above this is by definition identity DEF. Ive been in contact with a supervisor XXXX employee ID number XXXX and advise him that their company is in clear violation under the FCRA into remove this late payment expeditiously. XXXX informed me on XX/XX/XXXX that he would be in contact with their credit department team to get this removed however this late payment should have never reported to my consumer report without my consent in the first place. In accordance with 15 USC 1681 ( a ) definitions ; rules of Construct ( 2 ) I ask collusions Dash exit as provided in paragraph ( 3 ) oh, the term consumer report does not include ( I ) Report containing information solely as two transactions or experiences between the consumer and the person making the report. Late payments is and transaction with the line of credit that was extended between the consumer ( me ) and the person ( Chase auto finance ) that is making the report. Congress clearly states that the report should not include transactions. This late payment being furnished on my consumer report has hindered me from getting optimal APR percentage rates and Ive been denied for credit extensions due to this late payment being furnished illegally without my consent. Which under 15 USC 1681 ( n ) civil liability for willful noncompliance ( b ) any person who obtains a consumer report from a consumer reporting agency under false pretense or normally without a permissible purpose shall be liable to the consumer reporting agency actual damages sustained by the consumer reporting agency of {$1000.00} per violation which ever is greater. I am holding JPMC be auto finance responsible for damage is sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: M&T BANK CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Companie 's response : " The XXXX XXXX Police Department ( XXXX ) was called to your residence because we received numerous emails from you that mostly contained verbal threats and curses. Because of this we contacted the XXXX to perform a welfare check. We take full responsibility for this mistake and apologize for any inconvenience this has caused you. '' 1 - They do not say how are you taking responsibility, or if the people who made this decision are being held responsible. 

How are the XXXX  taxpayer dollars being reimbursed? How are we being made whole? 

2 - I dont live in XXXX XXXX XXXX You can not even get basic info correct. 

3 - what THREAT did I make? EVER? SHOW ME. 

You XXXX LIAR. When you cost someone XXXX in refi interest savings from incompetence or maliciousness, you WILL PROBABLY GET CUSSED AT. 

4 - I told you 50 TIMES I was OUT OF THE COUNTRY. WHY would there be a " wellness check ''? I am doing WELL. 

YOU called the POLICE to HARASS my TENANT OVER DEBT that you REFUSED TO allow me to pay by not correcting the balance AND INCORRECTLY PLACING MISSED PAYMENTS DURING FORBEARANCE ON MY CREDIT REPORTS. 

That cost me the chance to save {$1000.00} in MONTHLY MORTGAGE PAYMENTS starting in XXXX. 

Multiply that over the remaining 25 years. 

YOU used the XXXXPD as your personal XXXX to harass my tenant while I TOLD YOU I WAS OUT OF THE COUNTRY. 

How could you find a " threat '' in those emails ( SHOW ME ANY THREAT ), AND NOT ALSO SEE THE INFO THAT I WAS NOT IN THE COUNTRY AT THE SAME TIME.

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 2022-08-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company credit card Synchrony bank is the credit card option with XXXXXXXX XXXX. I made a purchase with them XXXX Spaces, which included furniture, and accessories. The accessories were going to be delivered via XXXX, not with the furniture. When I realized this I called the store the following morning ( XXXX XXXX ) after making this purchase to cancel the accessories because the shipping address was not a safe location. I assumed they would be delivered with the furniture at first but when I realized I canceled them within 24 hours. I spoke with them they confirmed via phone that they were canceled and advised me I would get an email. The following day I called XXXXXXXX XXXX again to advise that I had not gotten the cancelation email again they confirmed the items were canceled. Come XXXX weeks later and they are charging me for these items. XXXXXXXX XXXX admitted to making an error, and on top of that, I was never emailed any tracking information until I contacted them about the charge 3 weeks after the items were delivered. I advised that I was not at that address which is why I canceled them initially. XXXX XXXX  did not want to help so I contacted Synchrony Bank and filed a dispute. Synchrony bank was also no help they never sent me a letter or email. When filling the claim the claims department has no proper way of you submitting evidence. Now they are charging me for items I have never received over {$500.00}! I need help this credit card company has no real process in addition on their website there is no proper way to view claim status. Please help me!

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 2022-01-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CHASE CARD
XXXX XXXX XXXX XXXX XXXX
XXXX  HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF XXXX THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment  made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In XX/XX/2017 I spoke with XXXX XXXX and XXXX at XXXX XXXX. I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior. XXXX XXXX pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull the credit he did it anyway and my score has dropped 4 points immediately as a result

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 2022-08-16
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: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Experian is continuously incompliances of the Federal Law, as the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2019-04-16
Company: WELLS FARGO & COMPANY
State: CA
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:
In month of XXXX of 2018 there was two charges totaling {$12000.00} on my visa signature credit card with WELLS FARGO bank also there was a few personal loans that was opened up under my name without my authorization. I immediately disputed these charges and also i filled an FTC report and a police report. Unfortunately i been having a tough time to resolve this issue with WELLS FARGO and they are telling me they finished their investigation and their result find out these are my transactions. I NEED YOUR HELP TO RESOLVE THIS ISSUE.

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 2018-12-17
Company: Equitable Acceptance Corp
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by XXXX XXXX from XXXX XXXX via the phone a year a ago just a few months after graduating from college. The company was going to help me reduce federal student loans payment. I am still struggling to pay back my student loan since I am currently an XXXX  XXXX member doing my year of service. I unfortunately believe them and now I have more loans to pay instead of helping me they are adding more problems. XXXX wanted me to sign the contract immediately and pay {$49.00} a month for the service charge to Equitable Acceptance Corporations. However. I recently, I realized that I could do it through them in order to keep my loan payment at XXXX since I dont have enough money to pay for loans. They have been scamming people. They give false information. What XXXX XXXX said on the phone is very different to the contract and the contract were signed on the phone. After reviewing my credit report I notice that the service is a line of credit and not a loan. I am very disappointed that these people have taken advantage of my current situation and used it for their win. I have been paying them for nothing. Please do something about this company. They are criminals who enjoying seeing people suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-01-31
Company: Peoples Commerce Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRUIST FINANCIAL CORPORATION
State: TN
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 August 15, some unknown accounts were taking money out of my checking account and they took XXXX XXXX but they took it out in small sums. This is the second time it has happened with these scam accounts and companies

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