BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To whom it may concern, Im writing to you because of issues that have existed with JPMorgan Chase Bank since XXXX of this year. I purchased a flight from XXXX XXXX to XXXX with my Chase Sapphire Preferred credit card reward points inside of the Chase Ultimate Rewards portal on XX/XX/2022 at XXXX. The total points reserved for this purchase came out to XXXX ( the equivalent value of {$450.00} ). Listing specific details about my purchase below for reference : I had to cancel my trip on XX/XX/2022 at XXXX XXXX and anticipated receiving the total value of my Chase points back to my account or the entire dollar value of my purchase. Neither of those happened and I immediately called Chase customer service to find out when the refund would appear on my account. A customer service rep let me know that I would see the full value of the refund on my account on my next account statement. Apparently, it just takes time. I then proceeded to call customer service at the end of the following month when the money was still not shown on my account. The Chase travel rep let me know she has record of me inquiring about my account, and the money will surely be on my next statement. I just needed to be patient. I then inquire a third time and am met with the same response and am offered no options to formally begin a dispute. I was frustrated, but told the only option was to wait it out. I call for a fourth time and beg for some action to be taken. One of the Chase reps opens a dispute on my behalf ( finally ). I had to upload documentation to support my claim to my Chase mobile account. 

Last week, I called Chase AGAIN to check-in about the status of my dispute and was told that the 180-day window for filing a dispute had passed and there was nothing they could do. This is insane as I was never formally informed about my options. I was proactive about determining my best next step, but I was met with no support from Chase 's side. I asked the customer service rep to transfer me to her supervisor which she did. I ended up speaking to XXXX who is a Manager at Chase. He told me that he will escalate the dispute on my behalf and I should hear back within 7 business days. 

Unfortunately, I heard back the next day that Chase declined my dispute without any information. I am terribly frustrated and am tempted to close my Chase Sapphire Preferred card or take Chase to small claims court for refusing to refund my purchase. I feel robbed and am hesitant to do business with them again. I demand that they refund the full amount of my flight to my Chase card immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MI
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2022-11-29
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a XXXX XXXX credit card with XXXX that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near XXXX points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at XXXX for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to XXXX reporting this delinquent balance. I had a credit score of near XXXX before this and I have never missed a payment in my life. After multiple attempts at contacting XXXX to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. XXXX told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted XXXX to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called XXXX and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate XXXX to remove my delinquent inquires immediately due to them not notifying me in advance. 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 2022-07-28
Company: EQUIFAX, INC.
State: NC
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:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-08-12
Company: CITIBANK, N.A.
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:
citi charged me credit protection fee i neaver asked for

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 2021-01-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Upgrade, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
These are the last 5 payments I have made : XX/XX/2022 : {$2500.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$670000.00} ( This is where I noticed the issue. ) XX/XX/2022 : {$2900.00} Account Balance was {$11000.00} on account statement for period of XX/XX/2022 - XX/XX/2022 and after payment of {$6700.00} posted, I see {$5800.00} current balance. I believe the balance should be {$4400.00}, however, I am unable to see amounts before and or after payments have posted on app nor website. 

I contacted their support via phone to inquiry about the reason for the missing $ XXXX and was repeatedly assured it was calculated correctly. I asked for amounts before and after each payment and they refused to provide this information. The rep said they don't have the information and that they have to manually calculate it. 

After putting me on hold multiple times, the rep asked to confirm my contact information. They updated my address, then said, " Did you need anything else besides your address updated? ". When I responded that I still needed the balance history of before and after each payment, the agent hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In reference to previous CFPB complaint ID # : XXXX Bridgecrest has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. 

Bridgecrest has illegally obtained my personal information and fraudulently used my social security number. I have never given Bridgecrest a SSA-89 form or given them permission to use my social security number. Bridgecrest is tampering with government property as my SSN was issued by the US Government. 

I filed an Identity Theft Report regarding Bridgecrest on XX/XX/22. 

I gave notice to Bridgecrest, which was received on XX/XX/22, that I would be rescinding from any fraudulent, implied contract that may have been made without my knowledge or permission in conjunction with the contract with XXXX. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Bridgecrest and returned to me on XX/XX/22. 
Bridgecrest received a Cease and Desist notice as well as a Validation of Debt notice on XX/XX/22, and returned them both to me. This alleged debt is disputed for fraud and Bridgecrest has not ceased to collect the debt. Bridgecrest refuses to provide any actual accounting or prove the alleged debt is valid and not fraud. 
Bridgecrest refuses to recognize my legal right to exercise the administrative process. 

I will be taking further legal action and forwarding my complaints with supporting documentation to the Attorney General.

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 2021-08-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My client has a collection from an apartment complex, but my client paid everything once he moved out. National Credit System bought the debt and is claiming extra balances that my client does not recognize. On XX/XX/XXXX I sent by certified mail ( XXXX ) a letter disputing the debt, then in XX/XX/XXXX I sent a follow up letter letting them know that they were on violation, by today XX/XX/XXXX the company has still not responded. 

Also the company did not sent my client a right to dispute a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: M&T BANK CORPORATION
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a pre-approval on home mortgage. Submitted the necessary documents to the mortgage consultant of M & T Bank in XXXX DE approximately XX/XX/XXXX. I received numerous phone calls which I deemed condescending and derogatory. Follow ups and clarifications were addressed however I never received any correspondence stating my pre approval was awarded or denied. I received via USPS one letter dated XX/XX/XXXX thanking me for applying for credit at the bank and how my credit score will be used. Nothing else was sent nor did I receive any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
Midland Credit Management have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Midland have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. Midland have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Central Portfolio Control 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:
this company was notified by certified mail proof below they received and signed for the debt valadation i sent 0n 5/30/22 its now 6/7/2022  and did not  respond within 5 days according to the law that is a violation of 15 usc 1692g (b)Failure to send the consumer a 30-day validation notice within five days of the initial communication Collector must cease collection efforts until debt is validated also received a misleading letter in the mail in bold writing saying this is an offer to resolve financial situation no where on the letter does it saythe mini maranda that is also a violation of 1 5 usc 1692e (11)  company also violated  HIPPA  i did not give anyone consent to furnish negative information on my consumer report this is very stressful and causing me to pay higher interest rates and hurting my chances of getting housing  i want this removed and blocked from experian transunion and equifax.       ALSO THIS COMPANY LICENSE IS NOT REGISTERED IN CALIFORNIA WHICH MEANS YOUR NOT ALLOWED TO operate or COLLECT IN MY STATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There's is a derogatory mark on my credit report with XXXX Opened On XX/XX/2018 XXXX XXXX XXXX XXXX  in XXXX, OH reported a balace of {$6000.00} on my credit which I believe it was as a result of an identity theft. I have never lived in that apartment or neither have I sponsored anybody to live there. As a result of that Fabco  ( Debt Collection Company ) has been harassing me to pay the amount in full that I dont have any knowledge of. 
Fabco contact info XXXX XXXX XXXX XXXX OH XXXX Hope to see my credit restored as soon as possible l. 
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 2022-06-27
Company: EQUIFAX, INC.
State: VA
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/2022, and XXXX XXXX, I have sent XXXX XXXX, Equifax and XXXX, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX  address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my XXXX Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today XX/XX/22 I received a credit card from Capital One. I did not request, apply or order this card or account. 

Capital One can not give me any information about the application, including its nature, form/channel, date, information provided ( including if the applicant used my SSN ). 

I am concerned about identity theft. Despite my requests for more information and further assistance, Capital One refused both requests, saying only that they will 1 ) reject the application and close the account, and 2 ) " investigate and get back to me at some future date. '' I have reviewed my credit reports from the big-3 agencies and found NO hard inquiries from Capital One ( nor anyone because I have not applied for new credit and I froze my credit accounts XXXX months ago to protect against this scenario. 

My questions : 1. Should Capital One open an account in my name without checking my credit AND WITHOUT NOTIFYING ME that they had received an application? 
2. Should Capital One be allowed to refuse to give me any information about this apparent fraud, including information that I could use to protect myself? 

Whether Capital One should treat a XXXX customer this way is another matter beyond your purview.

Company response to consumer: Closed with non-monetary relief