BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Chase Bank provided a XXXX XXXX  to XXXX XXXX XXXX  XXXX XXXX for payroll and expenses. After several attempts with them and filing a complaint with CFPB the amount was reduced from $ XXXX to XXXX XXXX 

Chase Bank failed to credit me all my expenses in the foregiveness. 

Recently a portal opened up with the SBA and Chase and I applied for the rest of the XXXX to be foregiven, A chase rep called and said I needed to apply for the whole amount again, that is not what the SBA said or Chase portal. 

To be clear I am trying to get the remaining balance XXXX XXXX foregiven for expenses I was never reimbursed for. 

Further I tried to work out a reasonable payment plan rather than getting a bulk payment bill, of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the DATE OPENED, LAST REPORTED, DATE LAST ACTIVE AND DATE OF LAST PAYMENT all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-16
Company: EQUIFAX, INC.
State: NY
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 have asked a XXXX bureaus to fix the inaccurate info on my credit reports last XXXX months i have submitted claims about the XXXX XXXX  credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX  and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
its showing on my report that I have a debt collection with a company that brought a debt with Capital One Bank car loan, XXXX FUNDING is reporting that this debt was not paid, I called the company that manage this reporting and they could not find my account because it was paid off last year. I called Capital One about this and they sent a statement that the debt has been covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Bread Financial Holdings, Inc.
State: OH
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:
I was charged XXXX a month for XXXX XXXX Subscription on my ALL rewards credit card for a year & a half. When I realized these {$9.00} kept appearing each month, I called Comenity. They filed a claim with their fraud dept & said they would stop any further charges from XXXX. Charges continued to appear each month. I canceled credit card & they issued a replacement. Charges continued on new credit card. I was charged a late fee when I refused to pay statement. Comenity then informed me their fraud dept had ruled since I paid the XXXX each month I in fact was saying these charges were legitimate. I contacted XXXX ( letter attached ) & after several weeks of investigating, they located the account that the unauthorized charges stem from. XXXX said since I did not sign up for this subscription & I do not recognize the account, they said to go back to Comenity & file for a chargeback. I did this. Comenity said they did two separate fraud investigations on this ( obviously not checking with XXXX ) & they are standing by their original decision. The total amount of the refund I feel I am owed is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Tonight I was checking my various credit reports in preparation for ordering a credit card from my credit union. There are only three major credit bureaus, so I thought I'd request my free annual reports from each. No problem with XXXX or XXXX. But with TransUnion, a big problem..

TransUnion produced a report that was incomplete. It either never found out about, or left off for reasons unknown, information about my past employment and finances that would dramatically improve my creditworthiness ( which was okay to begin with ). But that's not the big problem. The big problem is fraud.

TransUnion claims I ordered " 3 Credit Bureau Monitoring '' and other useless financial services. TransUnion claims I ordered this service for {$24.00}, which it automatically billed to my credit-union account _without verifying this order with me._ But I purposely did not order the service. In fact, I purposely hit the " Cancel this Order '' button just in case this was the sort of trap that it indeed turned out to be. I was tricked.

Now I must wait until the morning, after the debit exchange has transacted, to make my case with a TransUnion operator who may be working the line from XXXX or XXXX, and who inevitably will argue that it's impossible for them to cancel the transaction and refund my cash. Belatedly, I received email ( attached ) that indicates I did indeed cancel the service, but not before TransUnion extracts its {$25.00} blood-money. 

A lot of people may be falling into TransUnion 's trap because its webpage is a confusing melange of everything under the sun. The CFPB should investigate TransUnion 's abusive treatment of visitors to its website who are seeking information guaranteed to them by law. It's obviously too easy to do what's to TransUnion 's benefit, not the visitor 's. 

I am absolutely astounded that the company can be so cavalier with the trust of those on whose information it makes a pretty penny and still expect us to welcome its unwanted provision of services that depend on trust. This is pure entrapment. I will never do business with this company again. Never.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: TX
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 XX/XX/2022 to update and correct this suspicious accounts listed below. I think you have not validated these accounts 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 previous complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} DEPT OF ED/XXXX  XXXX Balance : {$18000.00} DEPT OF ED/XXXX  XXXX Balance : {$8300.00} DEPT OF ED/XXXX  XXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$5400.00} DEPT OF ED/XXXX  XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00}

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 2019-01-04
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had numerous issues with Freedom Mortgage making escrow payments on time and accurately. Here are the most recent issues : XX/XX/XXXX- I called Freedom Mortgage and asked that they pay my property tax prior to the due date of XX/XX/XXXX so that I could avoid additional federal taxes. They paid the property tax on XX/XX/XXXX. Freedom did compensate me {$300.00} for this error.

XX/XX/XXXX - My insurance broker contacted me to say that Freedom had not paid my property insurance and they were concerned that I would lose coverage. I contacted Freedom and they stated that they never received a bill. We created a three way phone call with Freedom, my insurance broker and myself. The insurance company verified that they had the correct mailing address for Freedom and that they had mailed the invoice. I have had 5 mortgage companies and one insurance company over the life of this loan. Freedom is the only company that has not received insurance mailings.

XX/XX/XXXX - My insurance broker contacted me to let me know that Freedom had shorted my flood insurance payment by {$170.00}. This error leaves the property in jeopardy of not having flood insurance for a period of 30 days. Freedom stated that the lesser amount that they paid is what was entered into their system.

As a result of this pattern of errors and issues, I requested that I take over all escrow payments and the Freedom transfer all escrow funds to me. Here is Freedom 's response : XX/XX/XXXX - Operator XXXX - The insurance department does not accept emails, you will need to address this issue with customer care. 
XX/XX/XXXX - Customer Care Rep - Please email your request to customercare@freedommortgage.com. I sent my request to that address. 
XX/XX/XXXX - Operator XXXX - We do not respond to emails. Your request will be responded to via USPS within 30 days. 

In addition to the above concerns about lack of timely and accurate payments, it is clear that Freedom 's communications process is designed to obstruct consumer feedback and communication.

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 2019-04-24
Company: Caliber Home Loans, Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I called my Caliber Mortgage Company to accept there Loan Modification Trial Payment Plan which my partner and I had applied for. The letter we had received from Caliber Mortgage regarding the Loan Modification three month trial plan said to call to accept the plan if we approved and when we called and said we accepted the plan on XX/XX/XXXX the representative told us we did not need to make any payment until XX/XX/XXXX which was the first of the Trial Payment plan. At this time we were not behind on our mortgage. We would have ordinarily made XXXX and XXXX mortgage payments but she said we didnt have to make a payment until XX/XX/XXXX. In XXXX we got a letter from Caliber Mortgage stating that we were 2 months behind on our mortgage! We were in shock because of what the representative at Caliber Mortgage told us about not making a payment until XX/XX/XXXX! 
We called and talked to Caliber Mortgage several times complaining that this representative told us incorrect information during our XX/XX/XXXX conversation about not making a payment until XX/XX/XXXX and they have not been accountable for this incorrect information told to us!! On XX/XX/XXXX we received a letter from XXXX XXXX XXXX Mortgage stating that the servicing of our mortgage loan was transferred from Caliber Home Loans to new a servicer called XXXX XXXX XXXX XXXX. I have called and talked to XXXX XXXX XXXX to see if they will put the two months we are behind at the end of the Loan after we are done with the three month Trial Plan which we only have one more month left to pay on the three month trial plan. The representatives I have talked to can not tell me if they will do this! I would like to know if Caliber Home Loans has a recording of our conversation with their representative XX/XX/XXXX telling us that we did not have to make a payment until XX/XX/XXXX. Caliber Home Loans representatives in the Modification Department tell me they dont know how far back the recordings are saved. I was told this today XX/XX/XXXX. This has adversely affected my credit score and caused us much duress! We have been current on our payments the past five years having just completed a Chapter XXXX Bankruptcy in XX/XX/XXXX and we were looking forward to improving our credit and now are devastated by the misinformation the Caliber Home Loan representative gave us on XX/XX/XXXX making us two months behind. Can Caliber Home Loans be held accountable for this misinformation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX Balance Owed : {$28000.00}

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 2022-09-26
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I saw that a Credence Resource Manage was stating I own them {$750.00}. The company claimed they sent me many letters and I never received them. Once I saw the collection item on my credit report, I requested that they send me the contract I sign, along with my state identification, and last 8 months of payments. I ask for this for them to proof the account was mine and I open this with them. I am still waiting on this. I have never open any account with them or XXXX. 
They claimed I made payments to them, I have never paid CREDENCE RESOURCE MANAGE any money or have I signed any contract with them. I have reached out to them by phone and letters by in XX/XX/2022 and XX/XX/2022 and have not received a respond or return letter. 
They need to provide the proof that I opened this account and they are entitled to whatever they say I own to them. 
This negative item is showing up on XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to express my desire to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party, as allowed under the provisions of the Gramm-Leach-Bliley Act.

According to the regulations, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without providing the customer with the option to opt-out. I am exercising my right to opt-out of any such disclosures. 

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. Additionally, I appreciate your assistance in providing information on how to further manage and review my privacy preferences in the future. 

If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. 

I value the services provided by XXXX XXXX XXXX XXXX and trust that my privacy preferences will be respected. Thank you for your attention to this matter.

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 2019-09-17
Company: ALLIANT CREDIT UNION
State: GA
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:
I had a credit card with Alliant that I had stopped using. I kept it open through the end of the 12 month period that was paid under the {$59.00} annual fee. Now here is where Alliant engages in unprofessional, unethical, " gotcha '' fees. I got my XX/XX/2019 statement in mid-XX/XX/XXXX and saw the new {$59.00} annual fee for the upcoming year. So I called XX/XX/XXXX to cancel. Seemingly in-line with the business practices of all banks, credit card companies, etc, I presumed this would be an easy cancel and removal of the fee - ie, calling within the billing cycle when the fee hit. No such luck. They did cancel my card but said they would have to request the {$59.00} refund. I presumed again this was a simple process and assumed it was done, as I didn't hear further. Fast forward to XX/XX/XXXX where I noticed a new online statement with a balance ( the annual fee ). I call and figure this would be a quick waving of the fee. No luck, again. Apparently they buried on page 3 of the XX/XX/XXXX bill, a notice that says one has to call within 30 days of the XX/XX/XXXX bill to avoid this fee. Take note that the {$59.00} fee isn't on the XX/XX/XXXX bill but the NEXT MONTHS BILL. So if you don't read through all the fine print through to page 3 of the bill, then one never sees this. It's clearly intentional and duplicitous to bury this at the end of a bill vs PAGE 1. Plus it's even more tricky to only allow you to cancel BEFORE the actual charge hits your statement. So once the fee hits your statement, what do you know, it's too late to cancel. How underhanded is that??? Reps were rude and supervisors were worse when I called two times to investigate and then confirm this, as I couldn't really believe it could be the case ( except the rep that admitted the fee was not really appropriate - so clearly they get this A LOT ). I really can not believe that XXXX would fight customers so hard over a silly fee and hurt their reputation so badly. If they need {$59.00} fee income, you should worry about their viability as a bank, not to mention their ethics. And I can not believe that this day and age a bank would engage in this practice that is clearly designed to trick customers. Oh and there is no proration of the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
A collection account in the amount of {$2800.00} has appeared on my credit report. The creditor is XXXX XXXX at XXXX XXXX. We contacted them and we were told it is for a lease that was signed on XX/XX/2015, in XXXX. This could not have been me as I was a member of the United States XXXX stationed in XXXX at that time. I have disputed this account with the Credit Reporting Agency and I am told that I am still liable even though I was a member of the United States XXXX on orders to be in XXXX at the time of this alleged debt.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report Number XXXX, Report 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