BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had problems with the loan officer I was assigned at Guaranteed Rate from the beginning. I requested multiple times to have a different loan officer because I had to hound him for information and even my pre-approval letter but Guaranteed Rate would not assign me a new loan officer. Fast-forward through a very frustrating loan process which included my information not being sent to settlement soon enough and having to move my closing date which I had drive hours to pay and for a hotel to make.

I have been informed that Guaranteed Rate put the wrong insurance company down for me and so at closing, they had an insurance policy factored in to my escrow that was about {$600.00} short of what it should be ( my correct policy was about {$600.00} higher than the policy Guaranteed Rate put down for me ). What makes this even more frustrating and unfathomable is that I was closing on two properties with this company and closing on them on the same day. Both properties were to have the same insurance company. One property had the correct insurance information listed and the other property did not. I don't understand how this could happen but now my escrow is woefully short and will not cover my taxes. Furthermore, when my escrow is re-assesed, my mortgage payment will jump significantly. I've spoken to numerous people at the company who's responses range from, " They did mess up but unfortunately you kind of have to make up that difference. There's nothing that can be done. '' to a total denial that the escrow will not be able to cover the taxes. And now after being told I had to retrieve the money from the wrongly paid company because " Guaranteed Rate can't contact the company '', I got the money back and put the money into escrow so the CORRECT company can be paid. The amount of the policy was confirmed as well as the company. I was told the payment request was going to be made immediately and I'd be contacted with a update which never happened. The following week, I got an email stating a payment was made and it was for the WRONG amount. There has been no accountability on the company 's side and even when I reached out to a loan officer who worked on the mortgage, I was brushed off and told to contact the servicing department. I have spent numerous hours trying to get help and get things worked out and there's just one egregious error made after another. I trusted this mortgage company to know what they were doing and handle my information properly and they have violated that trust. Getting a mortgage is stressful enough and this process has been exponentially worse than my first mortgage experience. It is stunning how bad this experience has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NJ
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 ) has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I used the Chase XXXX XXXX program to book a round-trip flight for {$1700.00} on XX/XX/XXXX, leaving on XX/XX/XXXX and returning on XX/XX/XXXX. On XX/XX/XXXX, I called Chase to have the outbound flight changed to XX/XX/XXXX, and was charged {$1900.00} for the fare difference plus change fee. 

Upon arriving at the airport and trying to check-in, I was informed that my ticket was cancelled. I had to purchase the same ticket directly from the airline last-minute for an additional {$10000.00}, which I paid for using the same Chase credit card which I used to book the flight previously, assuming that this was an error on Chase 's XXXX and that I would be reimbursed for the additional cost of re-booking the flight last minute. 

I called Chase XXXX XXXX  customer service twice on XX/XX/XXXX, explained my issue, was put on hold and ultimately hung-up on with no resolution. I called twice again on XX/XX/XXXX, and spoke to a customer service representative who verified that this cancellation was an error on Chase 's end, that I would be reimbursed for the {$10000.00}, and that my return flight was not also accidentally cancelled. 

I called on XX/XX/XXXX to verify the status of the reimbursement, and double-check the validity of my return ticket to avoid the same issue since I was unable to check-in online, and because my trip was showing up as cancelled on Chase XXXX XXXX  website. The customer service representative confirmed that my reimbursement request was approved and that it would take XXXX billing cycles to show up, and that my return ticket was likely still valid. The representative proceeded to inquire with the airline directly, and promised to email me the confirmation of my return ticket, but did not do so. 

I called again on XX/XX/XXXX to once again confirm the validity of my return ticket, at which point I was informed that the return ticket was cancelled. I proceeded to book the return flight directly with the airline for an additional {$3300.00}, using the same credit card. 

On XX/XX/XXXX, I called again to get the {$3300.00} reimbursed as well. After being hung-up on the first time, the second time I was informed that they were unable to reimburse this amount, and that this time they were unable to verify the status of my original reimbursement. At further insistence, I was informed that they would escalate this to the accounting department, but with no way to track the request and an estiamted callback date that was after the billing cycle during which the payment would be due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-01-19
Company: LEXISNEXIS
State: FL
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 company has erroneously duplicated an accident event resulting in having to pay a higher car insurance policy. This has been disputed in the past ; however, the company has not made efforts to correct the information contained in my driver 's record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the last one month, I'm trying to connect Experian using their support number and the IVR system they have in place never redirect to human for Login Help. It simply kept telling use login help on the website. Below is the message I'm seeing when im trying to answer security questions unfortunately no human to answer and also no email is available. 

Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX   to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT

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 2020-08-05
Company: Experian Information Solutions Inc.
State: TX
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, XXXXXXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXXXXXX Account was removed but Experian unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. Experian claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Plase see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I made a payment with my debit card to Capital One for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). 
Capital One has been calling us looking for their money and when they call, we contact the XXXX bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. Many many months of this back and forth and being transferred to numerous peeps and XXXX trips into the bank, have been told there is nothing XXXX can do at this time. 
Capital One has received their monies and nothing they XXXX XXXX that XXXX XXXX. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. 
I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the Ist payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off ) now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I open a credit card with Wells Fargo, the primary is my partner, Iam the secondary in the account, however I do have a POA for the primary in the account. 
In the summer of XXXX I received a balance transfer offer with XXXX interest rate for 18 months. From the beginning I notice that they were charging me interest rate on the transfer balance, I call them every month for 3 consecutive months, I stop, and I said to myself, before paying the bill I will talked with them about their rate offer violation, I was still using the card and paying off all new purchases every month. The interest I was receiving in my statement was all balance under the interest rate. Comes XX/XX/XXXX and I wanted to pay off the balance because that was the promotion offer, before paying off I went to a Wells Fargo branch and talk with a Customer Service, he said that it was a violation of the promotion and he open a claim, and I truly believe that it was going to be resolve, 10 days later, I received a XXXX envelope with a letter saying that it was not a violation of the promotion. 
The interest rate that I pay to them is in the surrounding of XXXX to XXXX dollars.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been engaged in a lengthy endeavor to challenge the presence of incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I possess the right to dispute any inaccuracies that exist. In my pursuit, I have sent multiple dispute letters and reached out to the credit bureaus, given the multitude of names and addresses listed that are entirely erroneous. I have never been associated with these names before. I have provided legal documents such as my ID, proof of address, and social security details to establish my identity beyond doubt. Unfortunately, despite my efforts, the credit bureaus persist in misrepresenting this information. This situation poses difficulties when I apply for credit-based services and raises concerns about potential identity fraud. I also keep receiving letters/email responses from the bureaus delaying my disputing efforts simply because I choose to use a credit assistance service. It is my right to choose to dispute the information on my credit report in the manner I choose. They do not need proof of how I choose to dispute. They must simply follow through on their end to address the inaccuracies and correct them as legally obliged.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MO 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 4 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 non-monetary relief
Consumer complaint received 2019-08-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was close Do to the bank scam, Midland has brought and using over 4000 robo calls and is on the Do Not call list, yet he claim he has a judgment, how that I never receive nothing, the latest more than a XXXX dollars because, I want to sue because not only does he call 4to 5 times a day, over 4000 calls now this fraud and violations of my civil right for due process, just because he brought a close account to make money. I was told because its been so long it will go away, I dont think so, this guy is wasting my minutes as it now cost me to call on my government calls program, the robo calls, the only way to stop this fraud is to sue, but I have no money for that ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.

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