BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
When my Chase credit card renewed, I didn't realize I was charged additional fees for some unknown " authorized user. '' I thought it was fee for myself alone. The charge description never indicated who was it for, or what it was for. It just says " fees. '' Nothing in my Chase account shows that I had another user on the account. I can't see anything about this other user. I didn't realize the fee was for ANOTHER person until XX/XX/2022. That is how long it went unnoticed because Chase didn't want me to know. 

I had to call the customer service 3 times on XX/XX/2022. All of them said, " You can't see the authorized user or remove them on your end. BUT YOU SHOULD KNOW and you have to pay the fee for this person, because of the terms of our agreement. '' When I asked, " How do I even find out about this other person if I can't see anything about that person on my account? '' One rep even said the only way I would find out as a customer was to see how many times the {$75.00} fee was charged. So if I got {$750.00} fees, that means I have 10 unnamed users on my account. He claimed that, " It's all in the file! '' But I as a consumer, don't even know that file exists and who those people are! 

I asked, " Is what you're doing legal? '' Chase reps say, " You agreed by the terms of agreement. '' I did NOT agree that I pay for unknown people on my account that I can not see or remove! 

Chase is being deceptive and manipulative and tries to collect as much fees as unethically can. People can easily " Add authorized user '' on the web portal, yet there's no way to see existing users or remove them. If people 's account are stolen or compromised, Chase doesn't want you to know but want to bank on your ignorance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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 a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking Equifax, XXXX, XXXX to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX is trying to bill me for my nephews outstanding bill of {$250.00} he was XXXX when he signed up so I added myself as adult he turn XXXX on XXXX of XXXX and we called to remove my name and put Him as responsible party with his info. Now he has moved and not be paying his bill so they are coming after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Auto Finance Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru Experian And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX violated my rights as well I would like them removed original credits credit XXXX XXXX they call me harassing me at all kinds of times at night. 

XXXX XXXX XXXX  XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED

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 2021-12-16
Company: Merchants' Credit Guide Company
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX XXXXXXXX violated my rights as well I would like them removed original XXXX  XXXX XXXX bank they call me harassing me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX was removed and then added back. This is against the law. Please remove and leave it off. Thank You ... .XXXX XXXX XXXX XXXX and everytime I come back I have to fight this. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter dated XX/XX/2020 informing me that the credit limit on my Chase VISA would be reduced by half within 30 days because I " spent far below [ my ] available credit limit '' during the preceding 12 months. 

I worry what this will do to my credit report ( s ) and overall credit score, and I may need the higher credit limit for a planned home remodel.

Can they do this? Do I have any recourse? 

Thank you for any and all assistance. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 found a Charge offs on my Credit report form BANK OF AMERICA. I disputed it with the CRA it came back verified. I than sent a letter to BANK OF AMERICA about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your BANK OF AMERICA does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

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 2019-12-23
Company: PINNACLE RECOVERY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2019 PINNACLE RECOVERY , INC . SENT A LETTER TO ME ABOUT A DEBT THEY CLAIMED I OWED IN THE AMOUNT OF {$11000.00}. THE ORIGINAL AMOUNT WAS {$8400.00}. I IMMEDIATELY SENT A LETTER ON XX/XX/XXXX TO THEM AND TOLD THEM THAT THIS IS NOT MY DEBT. I RECEIVED NO RESPONSE UNTIL TODAY WHEN I RECEIVED ANOTHER STATEMENT SAYING I OWE THE MONEY AND THAT IF I DO NOT PAY BY XX/XX/XXXX THEY ARE GOING TO REPORT THIS TO THE CREDIT BUREAU. THIS DEBT IS FOR A MORTGAGE AND I HAVE NEVER OWNED A HOME. IF YOU LOOK BACK TWENTY YEARS, THIS HAS NEVER BEEN AN ACCOUNT ON ANY OF MY CREDIT BUREAU REPORTS. I AM SENDING THEM A SECOND LETTER TODAY AS WELL AS CONTACTING THE XXXX. PLEASE HELP ME TO RESOLVE THIS ISSUE. ( THE ORIGINAL COMPANY HAS NEVER BEEN ON MY CREDIT REPORTS EITHER. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX  # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish 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 2022-08-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2019-12-23
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the collection account for LVNV Funding in XXXX of 2019. After calling and emailing several times i was finally sent a clearance letter from XXXX XXXX XXXX whom did the collecting dated XX/XX/2019. 

When checking my credit report in XXXX and XXXX of this year they have the account showing open, XXXX balance and 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2016-09-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
In our CPFB correspondences XXXX and XXXX, your company repeatedly claimed that I cancelled the card before the points became available, which is why you could n't give me those points. 

This is not true. 

The points were available when I cancelled the card ( see attached screenshot from XX/XX/XXXX, showing points still being available ). Consistent precedent during my 5 year relationship with Amex and per terms and conditions, already available points do not get taken away on cancellation ( unless there is fraud or returns, which is not the case here ). These points were clearly available as you can see from attached. 

Second, in our correspondence you also mentioned a 6 to 8 weeks review. However, these points were earned on XX/XX/XXXX, and taken away on XX/XX/XXXX, well beyond the 6 to 8 weeks mark. So the review is not the issue here. 

What 's more, if the review showed some issue with spending ( either before or after my card cancellation ), then the miles related to that spending should 've been taken away also ( they were not ). Clearly there was no issue with the spending review, since those miles did not get taken away, only the welcome bonus which again, was already available. 

I understand the XXXX bonus link got public on your end, but that 's not my fault. Your company should honor the terms and conditions of cancellation. Lets resolve this amicably instead of making the process expensive claim notices, third party arbitration and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021, I made a transfer to my husband 's XXXX account, mistakenly from my checking instead of my savings account. Because my husband 's XXXX account had been closed already, the funds were returned to me by the next morning. Unfortunately the transaction sent my checking account into overdraft, despite my savings account having those ample funds, and I was charged several {$35.00} dollar overdraft fees, which I was able to contact Bank of America about and reduce to one payment. Unfortunately they also charged me 3 separate {$35.00} NSF returned item fees for that day, XX/XX/XXXX. When I spoke to Bank of America on XX/XX/2021, via phone, they refused to refund any of these fees. I can see that Bank of America has an established pattern of these predatory fee practices, and were implicated in a class action lawsuit on XX/XX/XXXX of 2021. Unfortunately it seems it has not encouraged them to amend their ways and they are still engaging in these practices. While I agree it might be reasonable to pay XXXX dollars for an overdraft fee, and potentially XXXX dollars for an NSF fee, the imposition of multiple fees per day seems unfair and improper, and I see the courts agree with this stance. I would like to have any of these fees refunded to my account.

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 monetary relief
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: PA
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:
ON XX/XX/2021 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER EQUIFAX UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA EXQUIFAX HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
XX/XX/2020 bought a hyundai XXXX from Hyundai XXXX XXXX pushed me into buying car that they never let me test drive stating your age you cant drive this car because youre XXXX which is nonsense I just needed a car and was dedicated to buying a car but they said I could test drive it once i came back and when i came back they basically gave me a pen sign contract give me down payment we request and youre on your way also by over promising things that will be included made me buy warranties I didnt need nor want without giving me a chance to say no asked for downpayment meanwhile took a loan out for more than out the door price they gave me when I saw contract guy said dont worry that isnt what your paying for meanwhile took advantage because ut was my first car bought.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
the Eviction history that is on my record should be empty due to the cases being dismissed, per the Judge noting should be on my Eviction history report because the cases was dismissed the company name is XXXX XXXX XXXX XXXX. Again the cases was dismissed they should not be reported at all. this is consumer Fraud because the case was closed and not to be opened nor shown on any record.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: AZ
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:
My Experian credit report reflected a hard inquiry for XXXX XXXX XXXXXXXX credit card done XX/XX/22. I did report to Experian and they are adding a fraud flag and advised me to create a report here. 

Additionally my XXXX online account was hacked where someone ordered auto shipment of dog treats ( I only have cats ). They have refunded me and de-activated the account while they investigate the fraud. 

I am not sure if both are related but I find it quite coincidental that both happened today. 

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 2019-12-23
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 found a Charge offs on my Credit report form XXXX XXXX XXXX I disputed it with the CRA it came back verified. I than sent a letter to XXXX XXXX XXXX about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your XXXX XXXX XXXX does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation