BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My mother has a credit card account, and she listed me as an authorized user. At some point, the credit card upgraded me to a co-user, which I did not consent to or apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Derogatory accounts that are 7 years old and older keep showing on the report. Items that have been paid are still showing as negative. My credit score is being affected with the COVID-19 Crisis and that is not fair to the consumer. Credit scores should not be dropping during the pandemic.

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 2015-03-26
Company: Merchants and Medical Credit Corporation, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son went to the XXXX when he was XXXX and out of XXXX. He was covered under my insurance plan so he gave the hospital my insurance information. There is a balance due of around {$1000.00}. A collection agency keeps calling me saying the debt is mine. I have repeatedly explained to them that he was XXXX and not a student when he incurred the debt therefor the debt is his. also gave them his phone number to contact him directly. They still call me daily telling me it is my debt and I am responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies XXXX Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I applied online for a Chase XXXX XXXX credit card, at the time I was purchasing a plane ticket on Southwest Airlines. The offer was XXXX bonus miles if I charged {$1000.00} on the credit card within the first 3 months of account opening. I charged {$1000.00} on the credit card in the first 3 months and they only credited XXXX points. I called Chase Bank and they refused to honor the XXXX bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Credit determination

Complaint:
I have along history of credit excellence with an excellent credit score and no missed payments over 34 years. 
I applied for a Chase XXXX card in XXXX, a Chase XXXX Business Card in XXXX and an XXXX Rewards card in XXXX. All XXXX applications were rejected. When I called to inquire about the rejections, Chase stated that the rejection was based on having more than XXXX cards opened over a 24 month period. I pulled my credit report that showed I had XXXX cards open over two years. If I would have known this information, I would not have applied for the credit cards. In fact, all XXXX cards had offers on the for bonuses if you spend a certain amount within a stated time period. Of course, my credit score decreased because Chase pulled my credit report three times. 
Because the XXXX rule was never stated or some kind of warning as the possibility of rejection with more than XXXX cards open over two years, I believe Chase has harmed my credit score my requesting the " hard pulls '' on my credit report. If I would have know beforehand that rejections are common for XXXX cards or over, I would have not applied. The consumer is being harmed by Chase because of their unstated rules. I would like Chase to remove the XXXX hard pulls from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.

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 2015-10-07
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans is discriminating against people who were on a forebarrance due to COVID19 financial hardship. Due to errors made by XXXX XXXX, they are using this as a means to deny my application. I have excellent credit and this is absolutely ridiculous. XXXX XXXX explained to the mortgage associate what the circumstances were, but XXXX  went forward with cancelling my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: NC
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:
Multiple Disputes Sent XX/XX/2022 - XX/XX/2022 Experian Response Received XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX  the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law. 

ACCOUNTS FURNISHED WITHOUT CONSENT XXXX XXXX Alleged Balance {$770.00} Total {$890.00} XXXX XXXX Alleged Balance {$800.00} Total {$1100.00} XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND

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 2016-11-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I reported the below XXXX items at least 7 times to Fraud Dept. immediately and never received the credit : Confirmation numbers of reported the Frauds : XXXX done with XXXX XXXX, XXXX Manager, XXXX done by XXXX, I also spoke with XXXX XXXX in Fraud Dept., And I sent a Facsimile. 
Again, I have the original documents with notes : XXXX XXXX XXXX, XXXX, CA XXXX/XXXX/XXXX {$54.00} XXXX XXXX XXXX, MN XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$23.00} Although I reported these immediately no credit was issued. 
I have original documents and above are some emails sent to the prior manager, 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 2020-04-14
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Placed order XXXX, told merchant via three different contact methods that XXXX could not deliver the package due to the pandemic. Tracking proof proves that merchant requested an interception of the package. As of XX/XX/2020 XXXX is attempting to return the package. Simple, item was never delivered, my account should be credited for the purchase of {$1300.00} dated XX/XX/2020 on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau Trans Union and XXXX  and neither of them have fixed the 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 explanation
Consumer complaint received 2016-10-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I earned around XXXX travel rewards points by using XXXX card for purchases. XXXX is telling me that all those points expired 90 Days after their breakup with Costco. Those points were earned an I do n't think XXXX should be able to forfeit this with such a short time frame and without Noticing its point holders

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 2016-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I just opened an account with bank of america about one month ago. I had my first direct deposit come in two weeks ago. My second one just posted yesterday XX/XX/2016. I went to use my debit card and it said unauthorized usage. I called in to check and they said my account was in the process of being closed. Without any notice or anything. I had no money to pay bills or provide for my kids because I was looking forward to my money. They told me my money would be on hold until the account is closed. I do not see how can they hold my money and I 'm showing a balance of 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 2015-07-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XXXX card no. XXXX, XXXX card no. XXXX and Chase card no. **************** are always lowering our credit limit and it is affecting our FICO score because of the maximum utilization percentage.Our maximum utilization percentage is higher because of the lowering of credit limit and it is happening frequently.Yes, we do have debts and we are making payments every month which is more than minimum payments and we are lowering our debts in a responsible manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
WWW.annualcreditreport.com which the bank uses for their bureau pulls is fraudulently taking XXXX points for my score to make it where the bank can charge more interest// my score at XXXX is XXXX and the sent to the bank stating on their report their XXXX at the top of it but at the bottom of it is them and they toke XXXX points off my score so the bank could charge more interest for a loan and that is fraud. it has to show what is on XXXX and they can not refigure are change it by fair credit act. it is to show what is on your bureau when it is pulled by law and theft are evading the law to make it for the ones they pull for more interest on the loans. and that is theft of services

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 2022-05-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Westlake Services, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Purchased XXXX ford truck from dealer called XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX on XX/XX/2016. Financed XXXX through Westlake Financial XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Less than XXXX miles after leaving the dealership, my truck broke down and would not re-start. Dealer was notified immediately. I paid for tow to the dealership took the truck back. XXXX at the dealer said they would repair it and they had possession for two months. I drove it away and the next day ( XX/XX/2016 ) it would not start while at a job site. Two hours later it started with no problems and I drove it to XXXX XXXX XXXX. They determined XXXX in repairs needed. On top of all this, no emissions testing was ever completed by the dealer and now with these repairs needed it will not make it to the emission testing station. The dealer has agreed to work on it again but we do not trust the dealer and ask that the authorized XXXX company work on it. I purchased this as a work truck and to this date have been unable to use it at all. The finance company is aware of this problem but they say they can not do anything about it. I request that the dealer buy back this truck and refund me the expenses up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
in 2012 I applied for a loan modification with Bank of America and wasaccepted, the loan modification went thru and my mortgage payment waslowered .... a year and a half goes by and I start getting these packets viaXXXX, I complied with all that they required me to do and did more thanthey asked of me, in return for complying I was supposed to receive XXXXdollars from Bank of America well I never received a dime from the Bank. 
I received another packet of documents they wanted me to sign becausethey put my mothers name on the documents, my mother in law has beendead at least two years and I sent the Bank her death certificate at least 6times, so I signed the documents that the Bank sent me and on the line wheremy mother in law was to sign I wrote in Deceased just like the Bank told me todo, so I sent the documents back to the Bank and low and behold I receivedanother packet in the mail this time they needed a signature from my stepdaughter because when we first got the loan my step daughter was a co-signer, however I had her do a quick sale and her name was taken off of theloan so too make a long story short, in all I received 9 different packets fromBank of America each one needing different signatures and I complied toall that they asked of me, and the straw that broke the camels back was I justreceived another packet, now they tell me they are going to give me XXXX dollars, this has really been a burden on me, my wife and family I amso frustrated with Bank of America with their incompetence which is AmazingI ca n't sleep at night and have nightmares that the Bank is going to take myhouse from me, even though I always pay my mortgage on time ... .. sometimesI XXXX this how much Bank ofof America has been XXXX. I do not take this lightly this has beenthe worst ordeal I have ever been thru in my entire life ... HELP, HELP, HELP, before I XXXX .... HELP ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief