BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: JPMORGAN CHASE & CO.
State: GA
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:
I contacted case bank in regards to my credit card, I was tied up in union dispute over my employment at the united states postal service. I was a federal employee which means I was entitled to no unemployment benefits. My income went for XXXX to XXXX  While attending to this matter. I was supposed to have been covered for this type of event but when I asked them about how much of my debt would be covered/how long ( this could take months has been know to take up to 1 year ) no one could give me an answer as to how to even file the claim! I continued to be harassed multiple times per day even on the weekends while at a very low point in my life until they sent me to collections. My credit is ruined and I paid money to protect myself against things of this nature. I am starting to feel as if they are ruining a big scam. Charging people a fee every month for insurance they don't actually have. 
I got the exact same I don't know response from XXXX XXXXXXXX. I chose these cards because I knew I had a high risk job. We are unionized and have superior officers that will sometimes ask their supervisors to break contract for the best interest of the service and though necessary, that can sometimes result in grievances that can lead to supervisor " reduction in force '' then when we have no where within a 50 miles radius to go, we lose our job. I just thought at least responsible financial planning could have kept me afloat but I got scammed. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is XXXX XXXX XXXX Account # : XXXX, not mine. I find this fraudulent. Kindly remove this immediately as this may damage my reputation as an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Caliber Home Loans currently holds my mortgage loan. I contacted them a couple times to refinance from FHA to conventional loan ( brand new built home 2015 ). They advised each time to wait another year for home value to increase. The house on the next block, same floor plan, sold for $ XXXX more than the purchase price. I contacted Caliber again requesting to refinance. They could not see the home that recently sold in their system and came back with comps in the area that were much lower than actual. After hearing the same spiel " to wait another year '' once again, I contacted another mortgage company ( within a few weeks time from last contact with Caliber ). Apparently the new mortgage company had more up-to-date data, software - they immediately saw the significant increase in home value and began the process for refinancing. As part of a NECESSITY to determine my current loan amount, the new mortgage company contacted Caliber for a payoff amount. They subsequently made a second request, just prior to closing, as I had made a mortgage payment in between the two requests. Caliber charged to me, personally, a {$5.00} fee for each request. This was noted on my statement as " Fee billed ''. Not know what the fee was at the time, I called to inquire. Turns out it was a FAX fee charged to me for the new mortgage company to obtain the payoff amount from Caliber Home Loans. This is gouging the consumer - especially considering the exorbitant fees associated with mortgage loans.

I have worked in healthcare for nearly 40 years. When a physician requests my medical records from another physician, there are no costs charged to me associated with the copies/request. However, if I request copies of my medical records myself, a fee is charged. The same should hold true for a mortgage company to mortgage company request for payoff information. I did not make the request. That piece of information is required in order to pay off the loan. Why gouge the consumer? Had I requested the payoff information myself, sure, charge me. I made no request for a FAX payoff from Caliber and received no FAX, document or service from them, yet was billed {$10.00} on my next mortgage statement - billed directly to me. This, again, is gouging the consumer.

If this is found to be a legitimate charge based on current laws and practices in the mortgage industry, then this practice needs to be reconsidered. I request a refund from Caliber Home Loans in the amount of {$10.00} for FAX fees, in which I made no such request, nor did I receive any goods or service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid a month in advance for a cellular line through XXXX. Over the years they had bad business practices that I eve reported to the XXXX. I eventually paid off all my phone cost and bills that was due. Then I switched services after I got my XXXX unlocked. Months later I get calls from XXXX claiming I owe them another {$91.00} or so. I told them to prove it through billing history, which they never did. Then they sold this account to Sunrise services, which repeatedly contacted me after I told them to provide full and itemized account history of this account, which they never sent or even tried to do. Then all they did was send one way texts to a link to pay the debt. Eventually they reported to the credit bureau. Which now Im claiming false & fraud since they can not provide proof or even communication of this 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 explanation
Consumer complaint received 2021-01-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
At the end of XX/XX/2020, I went through the lengthy time and trouble of setting up an online account just so I could use the Wells Fargo Bill Pay system and pay ONE STINKING bill every month to XXXX and maybe one other monthly payment. After setting up XXXX as a payee, I tried at least five times to make a payment but the Wells Fargo system keeps insisting on sending a TEXT MESSAGE to my phone. I do not have a phone that accepts text messages as I am on a fixed income and the Consumer Cellular plan I have provides voice calls only, no text messages. However, in addition to my cell phone, I have a landline phone which Wells Fargo was able to call and verify when I originally set up my online access. 

I have called Wells Fargo customer service numerous times and they were unable to help. They actually escalated my complaint to a Complaints Specialist and he provided no resolution and also left me a phone number to call him. I have tried at least 10 times to call the phone number and the phone number does not exist in their system. So, Wells Fargo manages complaints by giving out phone numbers that do not exist so they are a bunch of liars. I am including a copy of the Wells Fargo response with the phony phone number. 

In addition, the requirement to receive a text message prior to making a bill pay payment is DISCRIMINATORY. They are discriminating against older customers who do not have access or the ability to pay for this kind of technology. Discrimination is illegal and Wells Fargo needs to be stopped from perpetuating a practice where they decide who and who can not transfer money and use their services based on technology which is still not available to all their customers.

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 2021-03-20
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: Problem with personal statement of dispute

Complaint:
I have contacted Transunion, and XXXX online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to 640, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit report.

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 2022-10-03
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have spent countless hours attempting to pay mortgage and all attempts have failed. I routinely made mortgage payments using online payment system until XX/XX/2022. Without warning, the online system was modified so that manual payments failed and automatic payments failed, with no recourse. This led to a missed payment. Company removed the ability to chat online, and phone calls were placed on interminable holds and disconnected. There was no way to complete payment, thus forcing customers to pay fees. On XX/XX/XXXX, I was forced to travel to physical bank location, and double payments were processed including extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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: Account status incorrect

Complaint:
XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I like this bank and I am submitting a complaint because I was scammed using the " XXXX XXXX service. I already talked to my bank and they denied my claim but I was scammed because I never Received my items and I have messengers from the seller that he went back to my word and LIE to me. It was a console with games he was selling to me after I sent the money, he just went ghost on me and stop replying to messengers. I have attach an invoice showing the receipt and I have words from the seller he was lying to me. I recognized this was inconvenience and that is why I never again will use the " XXXX XXXX '' to make sales. I DO NOT have the money from {$120.00} dollars as I paid bills and am not currently working. I love this bank, but I really was scammed and will keep on doing this until I get the resolution that I want. I have been a loyal customer for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
I want this information to be completely removed from my credit report, it does not belong to me. 

XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I applied for deferred payments with my lender ( Chase ) for COVID relief and was approved. So, no automatic payment occurred in XXXX. In XXXX, I determined that I did not need the relief deferrals, so I paid two months ' worth ( XXXX and XXXX ), and somehow in the process, the XXXX automatic draft was skipped. 
Chase charged me late fees of {$140.00} per month for XXXX through XXXX before I realized that I was behind on a payment. I immediately contacted them. 
I said that it didn't seem fair that I was not notified in any way of the ongoing late fees. It's true that I have signed up for electronic statements, but they're not emailed to me. It's up to me to review the website frequently in order to ensure everything is getting paid on time. I told them that some proactive notification would have been the right thing to do. 
They would only waive one of the fees, so 4 more of them remained. I paid them today to avoid any additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX Original creditor XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXXInquired on XX/XX/XXXX ; XXXX XX/XX/XXXXInquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX Inquired XXXX XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXXXXXXX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXInquired on XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ; XX/XX/XXXXInquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXXXXX Inquired on 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 alleged identity theft, not later than XXXX 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 explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: UT
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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have been trying to relocate my son and I back to my hometown. Unfortunately all of the rental properties/apartments have been denying me an approval due to a Background Rental Screening. Wherever theyre pulling their information, or the sites these leasing offices use, has old and incorrect information still listed. I had a judgment from XXXX or XXXX with : XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. 
It seems like XXXX XXXX XXXX XXXX bought them out now. However I have already went to court for this three years ago and paid the balance off IN FULL! I even drove two hours away to go back to the clerks office at the courthouse for a certified printout and to ask why is there a balance still showing? The clerks office stated this case was DISMISSED without Prejudice and was signed off by the company who initiated the judgment. Their address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have spent over {$800.00} in applications and holding fees. This is a very sad situation. I need help in order to be placed in housing so my son and I can have somewhere to LIVE. Please reach out to me if snuggling else is needed. If this remains an issue, I will seek an attorney and go after the Fair Credit Reporting Bureau and any other Company needed.

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 2023-10-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED : # 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 ( ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : # XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX XXXX on XXXX XXXX XXXX in XXXX. XXXX XXXX  is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX regarding these and they have been left unpaid as a result. Thanks again for everything.

Company response to consumer: Closed with explanation