BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have asked CHASE to VALIDATED these accounts this is my 2nd Certified letter to them and all 3 credit bureau 's as I have requested an Certified Copy of the accounts that shows it has been VALIDATED with Certified Copies of the TRUE BILL these request has been refused as they are stating it has been VALIDATED & TRUE BILL has been voided I NOW DEMAND I BE SENT COPIES OF ALL ACCOUNTS TO BE REMOVED OR VALIDATED & CERTIFIED COPIES OF THE TRUE BILL & VALIDATED ACCOUNTS BE SENT TO ME ASAP TO POST OFFICE BOX XXXX XXXX XXXX CALIFORNIA XXXX along with sending copies to me at XXXX ASAP they has responded to Experian stating acct was VALIDATED ON XX/XX/2018 I'm in New York I'm unable to check my mail I herby demand copies of the Certified TRUE BILL & Accounting & the VALIDATED accounts be sent to me ASAP to my email address @ XXXX and I'm Demanding the 2 original instruments ea. for {$7800.00} be returned they were kept and I was sent back copies ( receipts ) back if they weren't used why were the original kept stating they were non-negotiable but they were kept ... FRAUD they were signed in blue ink by the living man they owe me {$15000.00} with interest or send back originals instead they sent back copies ... I will be filling a claim/lawsuit against CHASE BANK I'm writing and making a valid complaint to be on file that I have did everything to settle this matter and to prove my standing in Equity Court as this is FRAUD CHASE BANK has said that the accounts were VALIDATED and has refused to send me the proof as I have requested by certified mail # 2 times all of the accounts from CHASE Bank I HERBY DEMAND TO BE SENT ALL ACCOUNTS THAT HAVE BEEN VALIDATED WITH CERTIFIED COPIES OF THE TRUE BILL ( 1 ) CHASE BANK {$7800.00} # XXXX ( 2 ) CHASE BANK {$5300.00} # XXXX ( 3 )  CHASE BANK {$840.00} # XXXX ( 4 ) CHASE BANK {$2100.00} # XXXX I demand the VALIDATED account information and Certified Copies of the TRUE BILL to show these accounts belong to me the living man, ALL ACCOUNTS WILL NEED TO SHOW MY ORIGINAL ( WET SEAL SIGNATURE ) on all documents ( NO COPIES ACCEPTED ) I will be filling a lawsuit within 15 days of this complaint and reply for CHASE BANK send all information and updates to my email address and by mail to XXXX address change and update to XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX UCC 1-308 WITHOUT PREJUDICE I'm out of town due to this I need all replies to be sent NY mail and email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I obtained a XXXX Credit Card and was adived that it would be interest free for 12 months. I made regular on time payments throughout the 12 months with no issue. I received notice that my payment was late in XXXX, only to look up my online account to learn that I had been charged over {$3000.00} in interest and that my minimum payment was now {$450.00}! I contacted the company and received correspondence back stating they could do nothing. I contacted them again and advised that I would pay the total owed without the additional interest if they could assist. They stated they would not due to the time that had passed. They stated that because 20 days had passed nothing could be done. I explained that I reached out to them via email to request assistance when the charge initially showed up, when the employee looked in records it stated that they could not get back to me because I was not enrolled in a portal. 
This is a disgusting misuse of power by XXXX. They should be ashamed of themselves.

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 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX XXXX applied for a PPP loan with a third party lender in the amount XXXX that was disbursement to me on XX/XX/XXXX deposit in to my Capital One Bank Acct # XXXX the funds was place on hold XX/XX/XXXX I call them and they requested my XXXX Tax return i send it to them also send them my SBA loan forgiveness note that the XXXX was full forgiveness now they have place a hold on my saving acct XXXX that had XXXX I have call and email them several times and still no respones coming out a pandemic this has caused lots of hardship on me I need help deal with CapitalOne Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account I have been disputing for years. It does not belong to me. 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
1. XX/XX/2017 Bank of America rejected my application for a Visa card. 
2. I was informed that this was because I had a payment modification made on a previous credit card. 
3. Responsibility for paying the credit card was assigned to another party in a judicial settlement. 
4.Since I was the primary holder of the card only I could request a modification to the payments.

5. I neither made nor approved anyone to make such a request nor was I informed by the bank that such a request had been made. 
6. The bank refused to correct the error and remove the injurious report from my file.

7. To protect my credit from future injury I subsequently had to pay off the remaining balance on the credit card. 
8. The bank has refused to accept responsibility for the error and to provide a written apology.

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 2018-01-29
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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX  have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2019-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to the non-compliance with the CRA Experian. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.

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 2020-09-23
Company: DISCOVER BANK
State: TX
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:
This past week, I received a new card from Discover, giving me until XX/XX/XXXX to activate. On XX/XX/XXXX, I received an email stating that my account was closed. I called Discover. They told me that I had requested the new card last month ( which is not true ) and that on XX/XX/XXXX, they did a review on my account, and decided to close the account due to inactivity. My history shows that I made a payment on XXXX of this year. It was not inactive. It is unfair that Discover shut down a credit card as this will adversely impact my credit, which is something that is not helpful during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a customer of Chase for nearly ten years. I have had the credit card in question ( Amazon XXXX Rewards XXXX XXXX Card ) for seven years. Since opening the account, I have drastically improved my credit situation ; my current score is now an XXXX, when it was in the low XXXX when I opened the card. 

As such, I submitted a request for a review of the APR for the card, as I had noticed my rate was 22.24 %, which seemed high. Looking at their own advertisements for this card, the variable APR range is advertised as 14.24 % 22.24 %. I assumed I had the highest possible rate because I barely qualified for the card when I opened the account 7 years ago, and incorrectly assumed it would be a simple matter to request this review based on my updated credit file. 

I have been blatantly lied to by Chase in their response, claiming " your current APR is the lowest rate available for your account ''. They have obstinately refused to enumerate the available range of APR values and denied that my citing their advertisement is relevant. I have requested a copy of my cardholder agreement which will undoubtedly confirm that my rate is the highest available, the exact opposite of the lowest they claim it to be ; for some reason, in 2022, it takes 10 days to receive a copy of this after requesting it instead of simply being available as a pdf to view on my customer portal like every other account I have. 

They have refused to provide this range from my cardholder agreement despite numerous direct requests for this information, I am being forced to wait for this stupid agreement request to be fulfilled ( naturally by a wasteful paper copy by mail so I can't easily search it digitally, as well, a legal tactic that several court circuits have soundly condemned as unethical ). 

I believe I am well within my rights as a borrower to receive this information when requested, and to request a re-review of my APR. Certainly they are in violation of their end of the agreement by refusing to provide simple information when requested, and by lying about the status of my account 's interest rate, claiming it is the " lowest rate available ''. 

I'm uncertain of my rights with regard to a review of my account 's interest rate, but if not, then what is the point of the variable rate if they can simply decide to lock you at the highest possible value and never allow you to escape being punished for being poor a decade ago? It feels misleading to advertise that a range of rates is available " based on credit-worthiness '', and then refuse to take my current credit report into consideration and simply flatly deny my request for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: MAJR Financial Corp
State: FL
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:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point, I am being denied on my acquisition of credit due to the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Monday, XX/XX/2020, I received a call from a number I didn't recognize XXXX XXXX XXXX XXXX. I did not pick up and the message that was left was just music. Soon after, I received a text from my Father in XXXX saying that he received a call from the same number ( XXXX ) XXXX, which was a Company called XXXX XXXX, asking that I call them ASAP at ( XXXX ) XXXX. They gave him a reference number which I've saved, and I called them, thinking I needed to sign for a package that was to be delivered. I gave the reference number and was transferred to the legal department. They mentioned that I had delinquent credit card debt that was owed to Wells Fargo from an account opened 15 years ago, and that they are proceeding with civil action if I don't pay off the debt and settle with them over the phone. He didn't give me an amount owed, and I haven't used Wells Fargo in over 8 years, since moving from XXXX to XXXX. I have great credit, have paid off delinquent debt, included Wells Fargo, and keep track of any current debt. What scared me the most, was that the man that I spoke with had my maiden name, my current address in XXXX, the last 4 digits of my social, and my Dad 's cell number. I didn't give out any personal information to him. He said that they had mailed an initial request for debt collection in XXXX to my current address, but I never received anything. I tried to explain this to him, but he said that if I don't settle with him over the phone, that Wells Fargo would serve me legal papers and take me to court. I got concerned and asked that he send me paper copies of the initial document, and he told me that I wasn't understanding and that they had notified me in XXXX. I began to get mad, and he ended the call with you've been served, and hung up. I'm furious, and need this company reported. Not only did they threaten me, they made me believe that I owe debt that is not owed. I'm scared of identity theft, and want to make sure to report them because I'm sure I'm not the only one that works hard to pay off debt. My personal information does not feel very secure right now. Please please report this company. 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 explanation
Consumer complaint received 2021-07-18
Company: JPMORGAN CHASE & CO.
State: VA
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 have to dispute the whole united charge of {$370.00} because i did not receive service for returning flight and departure flight was delayed for 7 hours so i did initially dispute half of {$370.00} because i was told by united that i will be refunded that amount because of flight delay of ridiculous 7 hours. 
So I did dispute that much because i was expecting return flight to be serviced but i was wrong they did cancel me from that flight and they told to me that i was refunded for full amount of {$370.00} but they did not refund me so that is why i have to dispute whole charge of {$370.00}, So after they cancel me from flight i did buy new ticket for return flight and i did pay {$210.00}. 
So please refund me {$370.00} because United is rude and they did not refund me as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
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: Personal information incorrect

Complaint:
I attempted to get my free credit report from XXXX and I am unable to verify my identity, due to my name and social security number being attached to somebody else 's address and birthdate.

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 2018-01-29
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX  and XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: California Business Bureau, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I obtained a credit report in order to file Chapter & Bankruptcy, and discovered for the first time that XXXX XXXX XXXX in XXXX, despite State of California health insurance paying in full for the services rendered, unlawfully filed a collection action attempting to be paid twice-over. XXXX XXXX XXXX sent the account to California Business Bureau, collection agency. 

On XX/XX/XXXX, I filed for Bankruptcy, my attorney included this unlawful debt and asked the U.S. Trustees Office to investigate. The alleged debt was listed as incurred on XX/XX/XXXX ( Acct. No. XXXX ) in the amount of {$36000.00}. The Trustee informed me that I needed to file a complaint with your agency and discharged the debt. 

On XX/XX/XXXX, I received a full discharge of all debts. I contacted both XXXX and the collection agency, as well as a dispute with XXXX. They told me it would be removed on two occasions and they have not. INSTEAD, THEY UPDATED THE CLAIM THAT NOW SHOWS ON MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are multiple errors for the accounts listed below. An accounting of the activity for the various accounts in dispute are listed below. These disputes were put in with both the creditor and the credit bureau. No actions were taken on the part of either party to rectify the complaints. According to the Fair Credit Reporting Act, I am requesting a deletion of this account from my credit report because the information requested has not been verified nor has proof of verification been presented. 

ACTIVITY 1. Letter to creditor to correct inaccuracies. Evidence of account submitted. 
Letter Date : XX/XX/2020 Request : Please investigate and fix data on my credit report. 
Decision Made : No response to letter. 

2. Letter to credit bureau to correct inaccuracies. Evidence of account submitted. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and fix or delete from my credit report. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. 

3. Letter to validate and send data used to decline correction of account errors. Also send copy of procedure outline for collecting data. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. Experian procedures sent via mail and email. 

4. Letter to produce records of charge off notification. 
Certified Letter Date : XX/XX/2020 Certified Letter Received : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any accounts details. No records sent to consumer. 

Experian 's blatant disregard for following procedure in this matter is shameful. They literally did nothing.

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