BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was working for a small business, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX XXXX and XXXX XXXX. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at XXXX XXXX did not resolve the fraudulent account and continues to report negative information on my XXXX and Experian credit reports. 
I have documents showing that I do not and have not lived at the address listed on the XXXX XXXX accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX County Sheriff 's Office when I reported the fraud. 
Please assist in disputing XXXX XXXX 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Advertising and marketing

Complaint:
During an Amazon transaction in XXXX I applied for a an Amazon card which was stated it would be processed for approval immediately and provide a discount on the current purchase. In spite of an excellent credit rating, it was stated my credit was questionable and the application would not be immediately processed. This is clearly a bait and switch to get applications. Several weeks later, I received a card ( XXXX/XXXX/16 ) with a credit line far exceeding that requested. Further terms arriving with the card state ALL of my information could be shared by Chase after my card was open for 30 days, that I could NOT opt out, and that this would continue to apply even AFTER the card was closed. I immediately called to cancel before the 30 days was up, as they left me less than a week to review and respond. The representative tried to XXXX me into talking to a reprentative to " address my concerns '' and manually opt me out " if really an issue '', which contradicts the written terms stating no verbal greement is binding. This entire process is clearly designed to deny applicants information and to narrow the response window to reject the terms for the sole purpose of seizing control of customer information, even if the applicant *doesn't* take the final step of making the call to activate the card. From what I see in the paperwork, which was largely confirmed by the representative, you can halt the siezure of your information *only* by cancelling prior to the 30 day window you are n't informed of for 23 days. 

This is abusive and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was trying to obtain a free credit report, I got as far as receiving the report on the screen. I was not able to print or save. The website froze. I have a report # but I can not find an outlet to ask for a reprint ; there are no numbers or emails to even send such a request for a website/technical error. Every link clicks to an address ( different state or city ) with a request for money. I have reached out via twitter to ask for a resolution - no response. Every year I go through this with ONLY Experian. I feel they are withholding my credit report, and trying to extort money in any kind of way from consumers. I have not been able to secure any new lines of credit, and I think they may be the hold up. I do not have bad reports from other bureaus. I do not understand what the problem is, as my request is only once a year. 
I simply want a free credit report as promised, and I do not want to pay for it as promised.

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 2016-08-09
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Company called and said I took out a payday loan that I never took out 6 years ago, told me I was going to be sued if I did n't pay them XXXX dollars. Name of company is Cadinal Processing, said loan was through XXXX XXXX and XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated or corrected 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

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 2016-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX XXXX that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and T-Mobile would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
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 non-monetary relief
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The lender, Chase, has failed to recognize the terms of my Chapter XXXX Plan which is now a completed case with a Discharge Order. I was repeatedly told that they could n't adjust the erroneous amounts shown on the statement while the case was pending. Discharge was entered on XXXX XXXX, 2015. I wrote to Chase Bank on XXXX XXXX, 2015, after I received the XXXX statement, about the numerous errors in the statement and only received a vague letter response sent on XXXX XXXX, 2015. Chase has initiated XXXX calls to me and I have called the designated representatives frequently trying to get this cleared up. On XXXX XXXX, 2015 I was told it could take up to 3 more weeks to resolve. On XXXX XXXX, 2015 I called and spoke with another representative. I received a call the next day from yet another representative that it " may take 2 more weeks. " The mortgage is adjusted to the amount of {$850000.00} per the terms of the Ch. XXXX plan. All payments were current under the plan, all impound amounts are current. Starting in XXXX, 2015, I have made the payments of loan interest and principal and impounds directly and each month has included a voluntary extra payment to principal. The loan became amortized with the payment of XXXX, 2015. 
My statement remains incorrect, off by over {$200000.00}. Principal and interest is not properly listed and impound amounts are off by an incredible amount. I started receiving solicitations for loan modifications from Chase ( at least XXXX packets of them, including XXXX mailed to my former attorney in the bankruptcy matter ). They are internally showing my loan as 29 months late even though it is completely current. I am concerned about credit reporting on this account. They ca n't seem to do the simple accounting required to correct the statement which I first requested by letter on XXXX XXXX, 2015. On XXXX XXXX, they requested proof that my homeowner 's policy was in force the entire time, which I provided. I have documentation for everything in this report and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I recently had several experiences with my XXXX XXXX Visa card, which explicitly says and is marketed as having no foreign transaction fees, that indicate something like a foreign transaction fee is being charged. What is actually happening is that Chase Bank and Visa ( and XXXX XXXX XXXX are complicit in allowing XXXX to mark up exchange rates so that the rate applied to a purchase in a foreign currency, when exchanged into dollars, is about 2.5 % higher than the rate that would be used if actual market-based exchange rates, published daily from, say, the XXXX XXXX XXXX, were applied. In my case, Chase Bank says they just go by what Visa uses and thereby allow Visa to mark up exchange rates by about 2.5 %, in my experience. In doing this, Chase and XXXX perpetrate the misleading, nay bait and switch, marketing they use to encourage people to get their " no foreign transaction fee '' credit cards ; indeed, the 2.5 % markup, though not billed as a foreign transaction fee, merely substitutes for such a fee because this extra 2.5 % should not be charged at all. Card holders are not unreasonable to assume, and Chase and Visa do not transparently disabuse us that, we will be receiving a market-based exchange rate ( with no additional markup ). In trying to talk with Chase ( who talks to Visa while XXXX sits idly by ), there is no way to get this situation corrected. Moreover, this hidden foreign exchange fee is in direct oppositon to a related class action suit that the credit card companies lost and paid dearly for several years ago. Finally, I ca n't believe I am the only person experiencing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone walked into a Chase bank branch, impersonated me and withdrew {$2000.00} from one of my accounts without an ATM card or PIN. Chase froze my account ( I 'm told it will be frozen for 30 days and that I may be reimbursed ) and is restricting access to my funds for that period as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-20
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account with XXXX Bank which is for use at Pier XXXX imports. I received a late payment for a balance of {$5.00}. I wrote the bank and I had it removed XXXX. It is still reporting on Experian and they are not removing it. I in good faith thought I paid the account off. Some how there was a {$5.00} interest charge that was billed and which I did n't receive. I believe that this should n't be considered a late payment. Letter to XXXX Bank Attached

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am writing on behalf of my mother ( I am her medical and financial POA and her daughter ). She XXXX in 2010. Prior to this her FICO was near XXXX. At the time, she had a credit card with Chase Bank. Due to medical expenses, becoming XXXX and moving to be close to family, she had to foreclose on her house. Chase Bank held her second mortgage and credit card. After the house foreclosed, Chase decreased her credit limit from $ XXXX to $ XXXX. This was not an issue, as she rarely used the card. 
My mother has not used the card frequently and always pays off any balance immediately. She has the card for emergency purposes and has not used it in approx. 18 months. 
We recently received a notice from Chase saying that they were closing her Credit Card account. The notice said that the credit acct would be closed in 60 days and that no action we took could keep it open. I immediately called Chase thinking that there must be something we could do considering she has never been past due, over balance or delinquent in any way. 
When I spoke to customer service, I was told that the only thing we could do would be to open a new credit card with them. The representative said that because my mother had not used the card in the last 18 months, they were closing the account all together ( I would like to note that there have been stretches over the last 6 years where my mom has not used the card for periods greater than 18 months with no adverse action taken by Chase ). I was very concerned for multiple reasons and asked where in the Terms of Service/Card Agreement it was noted that the account could be closed for no reason and without giving the customer notice of the action to prevent the closure. The representative told me that this was an " internal policy '' and " not available to consumers ''. I stressed my concern that not notifying customers of this practice was detrimental to them. I asked the rep if she understood that my mother has had the account for over 15 years and that closing it would have an impact on her credit score. She said that she was aware of that and that there was nothing she could do. I also spoke with a Supervisor that said the same thing ... that this was an internal policy and we would have to open a new account. 
I have been trying to repair my mother 's credit score since her XXXX. Closing this account will not only affect her score, but also take away the small safety net that she has. On top of that, Chase is essentially forcing her to seek new credit, which will also have a negative impact on her FICO. 
This practice seems unethical and draws serious concerns. How can a credit card company have an internal policy that is not disclosed to consumers, but can have a negative impact on them with no wrong doing on their part? Any help with this situation would be sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The credit reporting company called Experian has historically been very troublesome often denying me my free annual credit report long after the one year eligibility time has elapsed. After completing all required information either via phone or more currently online, they 'll immediately deny me my report and ask I mail photocopied drivers license, utility bills and other like items to verify my identity to get my report. Thereafter they always mail back a response saying that I 'm ineligible because they just sent me one. When they did not! It appears that once the initial annual request is made, and if denied, they view this as a report was generated and sent. Then they adamantly deny any further disputes when told that the requested report was not sent! This has happened many times and I have gone several years without seeing my report. It just happened again on XXXX/XXXX/XXXX when after completing the on-line form, I was again denied. Even though my last report was dated XXXX/XXXX/XXXX. However they always point out that I can easily buy the report by remitting their asking price. I am very angry with Experian. They offer no personal phone in help. Only endless pre-recorded messages designed to frustrate a caller. I have no problem with the other XXXX credit reporting agencies who are helpful and easy to deal with. I want my annual credit report from Experian each year without all the trouble they cause.

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