BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: AMERICAN EXPRESS COMPANY
State: CT
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 canceled the {$83.00} charge with American Express from XXXX because a event I had signed up for was canceled DUE TO COVID and the insurance should have been refunded as well DUE TO COVID. American Express claimed to have reviewed the account - but DID NOT. They only sent me a web link and DID NOT ISSUE A REFUND OR investigate the complaint. I want a full refund!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After paying mortgage insurance premiums for 6 months on my mortgage loan, I contacted United Wholesale Mortgage on XX/XX/21 and asked them to remove the mortgage insurance. The purchase price for my home was $ XXXX. The home, at the time, was worth $ XXXX $ XXXX. I provided my mortgage statement, an XXXX, and showed that I could make the payments for 6 months. UWM refused to remove the mortgage insurance on XX/XX/21. They said that I needed to prove that I had done enough work to the house to merit what was already plain as day : that the LTV  should not be based on the purchase price. I should mention that the XXXX that I provided was obtained directly from their website. OR that I needed to wait to " season '' my home 2 years before they would consider *charging me for an appraisal* in order to get my PMI removed OR I could pay {$36000.00} off on my loan to get the fraudulent LTV adjusted XXXX 
The point of mortgage insurance, I thought, was to protect the lender from losing money on the home if I failed to make payments. I proved beyond a shadow of a doubt that in the event that my mortgage foreclosed, UWM would *profit*. I wrote back to them on XX/XX/21 stating again that the equity in the home more than covered any risk involved. UWM wrote me back on XX/XX/21 stating that " We must adhere to investor guidelines as it relates to the removal of PMI. '' UWM also completely botched up my escrow account, first telling me I had an overage and sending me a check for the excess, then raising my mortgage by almost {$500.00} per month after they realized that they do not know how to do math or properly account for property taxes. California property taxes are always reassessed when a person purchases a home. The property tax rate is based on a percentage of the assessed value ( which, by the way, is assessed at over $ XXXX so, again, the PMI is unnecessary ). Yet UWM completely failed to account for this ( obvious ) fact and set up my escrow account with the previous owners ' property tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: CA
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 paid for a new water heater with a check for {$4000.00}. The guy took to his truck and electronically deposited with his phone. Then he left check in truck. He says a few weeks later someone went in his unlocked truck and took tools and papers, including my check. Someone doctored the check and cashed at a jewelry store. Check went through and another $ XXXX was taken from my account. I immediately went to Chase Bank and file a report. They Contacted XXXX XXXX who cashed the check. This was back in XXXX. Very quickly XXXX admitted in was their issue and said I would get my money back but it would take up to ninety days. I called Chase two weeks ago and they said XXXX would have my money back soon. Ninety days passed two weeks ago and haven't heard anything more from either bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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.

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 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 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-09-14
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, 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 2022-05-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had a {$100.00} gift card not used in a sealed envelope from American Express, when I open the envelope and check the balance it only has {$76.00}. I complained to American Express and somebody made multiple transactions in XXXX California and they told me " We would like to inform you that the gift card is a non-disputable product as per the gift card terms and condition '' This is unacceptable, how can there be transactions when I just opened the envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One reported " computer issues '' in XXXX of XXXX that somehow affected their apps displayed minimum payment due with the actual amount due. Since I was enrolled in paperless billing at the time, I did not have a physical statement to compare the payments to. The app stated that I needed to pay {$57.00} dollars in XXXX when I actually needed to pay {$59.00}. They are reporting a thirty day delinquency on my credit report over the {$2.00} shortage. Yet they have admitted that it was a " bug '' in their app 's software. In light of all their recent cyber troubles I insist that they remove this delinquency. This account has been open since XXXX and I've never been late. Something is not consistent with their false accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I went to Wells Fargo branch in XXXX XXXX Texas with my young daughter. I was in Texas due to my mothers ' passing away. I went into the branch to do a cash advance from my unemployment card of {$480.00}. The individual was a female and a service manager. She asked if I was a member with a checking or savings account and I replied no. She asked, how can I help you? I said, cash advance off my card. She asked the amount and I said {$480.00}. I noticed that she had trouble with the computer as she was keyed in my drivers ' license. She asked why was I in Texas and I said my mother died. She then went into her draw to grab the cash and I turned around to look at my young daughter who was seated in the lobby to check on her. As I turned back, I saw only {$400.00} and couldn't see the rest and I asked that the money be out of the envelope. She placed it in the envelope and sealed it. I left the branch with my receipt and the envelope. It was late around XXXX XXXX  that I was at a drive through to buy dinner for my family and opened the envelope. I saw that it had only {$420.00}. I was so upset and wished that I could go back to the bank but it was after hours. Therefore, I tried going in the next morning when they opened. I approached a teller and told her what happen. I saw the same individual and she began to say I gave you the money yesterday. I told her that it was short by {$60.00} and that to pull the tapes. It became a he say she say because she started to count her draw as if the money would have showed up that morning when it would had been last night. I was so incensed at her unprofessionalism and her alledging that I lied to make more money. When she called the escalation team that is what she told them and it upsetted me. I want Wells Fargo to rectify this problem 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 2021-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Oasis Legal Finance Holding Company, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Issues with repayment

Complaint:
I took out a settlement advance. After receiving payout I inquired to my attorney through phone and email about who was to pay it back but didn't get a reply. I checked the oasis financial website but it did not state if myself or the attorney was to pay back the loan. My attorney was aware of the lending and spoke with the settlement funding company and had to review documents from them. Because of the facts I stated being that I could not get a hold of the attorney, Oasis Financial did not tell me how to pay back the loan, and my attorney was in communication with the settlement lending company, I believe it was fair to assume.my attorney was handling it, in addition to the facts that it was not made apparent to me how to pay back the loan. Oasis financial has an FAQ on their website, but it simply states that the loan will be paid back from the settlement but does not state how to actually pay it back. So this information is vital to post online and make clear to me and It was obfuscated and now they ask for over {$2000.00} extra because it's " late ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian keeps violating my rights according to the Fair Credit Reporting Act You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

They have received my letter two times and are ignoring my disputes and not doing any investigation whatsoever, my rights are clearly being violated I demand my disputes to be processed All disputes have id, proof of adress and even my social security its pretty clear its me sending the letters, they are trying to avoid helping me and violating my rights, I will demand compensations if this persists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.

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 2021-05-25
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to Medical Commercial Audit Inc. case # XXXX. 

This company provided information from the original creditor " XXXX XXXX  XXXX XXXX ''. 
I owe no debt to this 3rd party creditor considering the debt has been closed with the original creditor. 

They provided my personal information & not a HIPAA Relase Form nor a Transcript to even have my information released with Med Com Audit. My HIPAA Rights has been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries 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 inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: Shellpoint Partners, LLC
State: ND
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:
As of XX/XX/XXXX I received an email about my credit report on XXXX. NewRez LLC/Shellpoint Mortgage marked XXXX of XXXX as a late 30 day payment. My score dropped XXXX points. This is impossible as I sold my home, closed and paid loan in full XX/XX/XXXX of XXXX. I have been in contact with Shellpoint the last 4 months trying to fix payments marked as late. I thought the issue was resolved as XXXX  and XXXX showed the months of XXXX XXXX as current, XXXX as 30 day late, and XXXX and XXXX were marked as " D-No Payment History Reported/Available For This Month '' and XX/XX/XXXX showing CLOSED. I opened a dispute with XXXX  XX/XX/XXXX to update credit information and the report is completely different then what the other two agencies are reporting. Due to their errors I am now not able to get a loan because they reported a late payment for this year. They also did this to my husband 's credit but reported the month of XX/XX/XXXX as 30 day late.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX ending in # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief