BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: JPMORGAN CHASE & CO.
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a victim of identity theft and I have submitted all the proper documentation that Chase has asked me for. I have submitted police reports, updated police reports, proof of payments made on my account, the suspect sentencing notice, basically everything to prove that all the charges that I reported are fraudulent on my account wasn't authorized by me. My identity was stolen!!! I have also submitted letters from my other credit card companies that has refunded and credited my account for the fraudulent charges. I am not stopping until I get this resolved. I will not be responsible for none of the charges! I have been making payments on the account to avoid negative remarks on my credit report. After calculating everything Chase owes me {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX at approximately XXXX pm, I contacted American Express by telephone regarding the current APR they are charging on my XXXX XXXX XXXX XXXX XXXX and spoke to their representative XXXX badge number XXXX in the Texas office. My issue with American Express is that since XX/XX/XXXX, they have been charging me 29.24 % which is just under their Penalty APR of 29.99 %. I have had this account with American Express for well over 10 years during which time I have consistently paid on time and paid above the minimum amount due each month. With my account history in mind, I was therefore asking for some consideration in having my base rate ( prior to adding the prime rate ) reduced to a more reasonable rate. During our conversation, the representative informed me that the low-end rate American Express is currently charging customers is 17 % but that mine was set at 21 %. The representative then told me she did not have the authority to adjust my rate at which point I requested to speak to a supervisor or manager. The representative refused to let me speak to a supervisor or manager and insisted that no one at American Express was going to adjust my rate. 

I do not feel my request was unreasonable, but I do feel that charging me 21 % plus prime is not only unreasonable but extremely unfair in view of my payment history with American Express over the past 10 plus years. I have 2 other credit cards with other companies whose APRs are 17.99 % and 19.49 % respectively which is the type of APR rate reduction I was requesting American Express to consider. 

I felt that the representative was unprofessional and unwilling to try and assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-07-09
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dispute of Accounts Resulting from Identity Theft I am writing to formally dispute an account on my credit report that were opened as a result of identity theft. 

I have attached a copy of the police report regarding this matter for your reference. I request that you investigate and remove the following accounts from my credit report, as they are inaccurately reflecting my credit history : XXXX Account XXXX : XXXX XXXX : {$26000.00} This auto loan was fraudulently opened without my consent or knowledge. I have taken the necessary steps to report the identity theft to the relevant authorities, and the attached police report provides further evidence of the criminal activity that has affected my credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and promptly remove them from my credit report. 

I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT! 
It is imperative that my credit history accurately reflects my responsible financial behavior and that I am not unfairly penalized for fraudulent activities beyond my control. I would appreciate your prompt attention to this matter. Please provide me with written confirmation of the investigation and any actions taken to rectify the inaccuracies on my credit report. 

Additionally, I request that you provide me with an updated copy of my credit report once these disputed accounts have been removed. Thank you for your assistance in resolving this matter. 

I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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 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 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 2019-06-03
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: Their investigation did not fix an error on your report

Complaint:
This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
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:
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX not mine

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 2018-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a line of credit with citizens bank for 10 years my payment was {$980.00} a month the line of credit expired XX/XX/2017. I tried to extend it for 2 more years or tel I sell my home the bank never respond to me I try to contact them many ways never got any help and then the bank turned it to a 15 years mortgage without my signature and my payment jump to {$3700.00} a month. No way I can afford it. Also never send me any payment book or link it to my bank account. 
I told them that I work over seas I can't just leave and deal with this. I asked them to extend my line for some time so I can get my finances together. I was with them for more than 15 years never missed a payment. Now they are taking my house from me it is amater of no court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : NOWCOM/WESTLAKE FINANC XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

Sincerely, XXXX 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 2019-11-01
Company: COMMERCE BANK
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Commerce bank needs to record a release on instrument XXXX in XXXX county Missouri. Please investigate a payment made in or around XX/XX/XXXX and refund any payment made after XX/XX/XXXX payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: PR
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 am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and Equifax and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I have submitted repeatedly to XXXX and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They  are refusing to remove these fraudulent accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2019 I sent a letter to Experian 's National Consumer Assistance Center notifying Experian that there were inaccurate addresses on my current Experian consumer credit report in addition to removing wrong phone numbers and wrong employment information. 

I received a vague letter that regurgitated the same address info with some minor changes, but no addresses were deleted. 

I later disputed the inaccurate addresses again in my online Experian.com account on XX/XX/2019 and Experian responded by adding a Geo code number to each of the addresses. 

Today, XX/XX/2019 I am filing this report to the CFPB as I have done what I can to have Experian take action on removing these inaccurate addresses. I am now attempting to remove these entries by force with the CFPB 's assistance as Experian has violated my consumer rights. 

I am also sending another letter to Experian to let them know I am filing this formal complaint with the CFPB.

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 2018-07-20
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is about my principle bank,, PNC. 
On Tuesday, about {$5000.00} was deposited into my checking account by XXXX. 
On Wednesday morning, I transferred {$700.00} to my credit card to pay an overdue balance of {$520.00}. The teller noted the fee as pai as paid and said nothing about holding or preventing my card from receiving charges. 
Thursday i attempted to use the now paid up card, but PNC blocked all transactions for various amounts including {$21.00} at XXXX, {$100.00} for groceries, and to pay my rent at XXXX for {$4400.00} after promising me all transactions would clear. 
Also on Thursday, PNC claimed that they needed to block these transactions because " it's a different division and the money isn't there yet. '' What? Both operations are sold under th term " PNC Banking '' and it felt like PNC was just lying to me os they could use my funds elsewhere for two days without me knowing about it. A manager in my branch when asked, offered an explanation that there are thousands of such transactions daily, and " ... they take time. '' She failed to disclose that these transactions are made at night when PNC Bank is closed to the public. To me it appears they are playing the float.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: SC
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 emails to XXXX, Equifax, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XXXX i requested a payoff from chase on my credit card as their interest was getting out of hand. i was giving a payout balance of {$26000.00} which i immediately payed off this by transferring this amount to other card with o % interest. i received a statement showing my balance was {$0.00} dollars no interest charged. on XXXX i received a new statement showing that i owed XXXX interest. when i called them for an explanation they said this was interest of a rolling balance even though i told them i had got a payoff number on XXXX i asked them to resend this interest but they refused at several levels. i think this is predatory and taking advantage of a consumer. it is for these reasons that i am asking your agency to intervene on my behalf. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Original disputes in XXXX took place and XXXXXXXX XXXX XXXX refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of hard credit inquiries that were conducted without my authorization. As a responsible consumer, I monitor my credit report regularly and recently noticed several hard inquiries that I did not authorize or expect. 

I understand that hard inquiries can have a negative impact on my credit score, and it is concerning that these inquiries were conducted without my permission. I have reviewed my records and can confirm that I did not initiate or authorize any credit applications or requests that would warrant these inquiries. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized hard inquiries removed from my credit report. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance in this matter. 


XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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