BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be 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 2018-12-07
Company: EQUIFAX, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023, I received an American Express virtual prepaid Rewards card from XXXX XXXX rebate promotion. According to the https : //www.amexrewardcard.com website, the card is active and has a balance of {$75.00}. The Cardholder Agreement says the Card may be used at U.S. merchants that accept American Express Cards. The Amex instructions on how to use the card say to enter the card information as you would a credit or debit card in the payment method section and fill in your name and address in the billing address section. 

I attempted to use the card at XXXX. XXXX  website lists American Express as an accepted payment method. My order was cancelled due to payment declined. 

I also tried to simply add the card as a payment method at XXXX and XXXX XXXX with no luck. Amex says your American Express Virtual Reward Card can be used in-store to pay when added to digital wallets : XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX 

These are the steps I took to resolve the issue : XX/XX/2023 : Called XXXX XXXX customer service ( XXXX ) listed on the XXXX XXXX reward email. I couldnt get past the automated help to talk to a human. 

XX/XX/2023 : Called American Express Customer Care number ( XXXX ) two times. I was finally able to reach a human by pressing the option to report that my card was stolen. I asked why my American Express Reward Card was being rejected even though I wasn't exceeding the {$75.00} card balance. The customer service person first told me the card couldnt be used at XXXX and to try another merchant. I asked where the card could be used and she was unable to answer the question. When I told her that the XXXX website says they accept Amex, she changed her response and told me my card is working and it should work at XXXX and to resubmit my order. Amex customer service is incompetent and terrible! 

XX/XX/2023 : XXXX XXXX and chatted with XXXX from XXXX payment support. She informed me that XXXX requires a name and billing address to register a card as a means of payment in order to validate the card. Since Amex rewards cards are not associated with a persons name and billing address, they can no longer be used at XXXX. 

I would like to know how to make a purchase with my Amex rewards card. Amex prepaid cards are pretty useless in the real world.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: Harris & Harris, Ltd.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Harris & Harris continue calling me regarding another person. I have told them repeatedly they have the wrong number and asked to be removed from their calling list. I do not have any debt. I am under a XXXX XXXX XXXX 
They are now calling me daily. I work 3 jobs so I am either at work or asleep when they are calling. This is very disruptive, and they aren't even calling for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: MD
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:
Subject : Formal Complaint and Request for Expedited Resolution under Fair Credit Reporting Act Dear CFPB, I hope this message finds you well. I am writing to inform you that I am currently in the process of removing/blocking fraudulent and inaccurate information on my credit report from all three credit bureaus. To formalize this complaint and expedite the resolution process, I am filing an FTC report with you the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with Section 605B of the Fair Credit Reporting Act, I am requesting the prompt removal of the identified fraudulent and inaccurate information within four days. I believe this expedited resolution is warranted to rectify the inaccuracies and uphold the integrity of my credit report. 

Enclosed with this communication, you will find the necessary documentation, including my FTC Identity Theft Report and proof of identity. I kindly request your immediate attention to this matter and appreciate your prompt response. 

Should you require any additional information or documentation, please do not hesitate to contact me. I trust that we can resolve this matter efficiently and ensure the accuracy of my credit report. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is my mortgage loan service company. My mortgage due date is the XX/XX/XXXX and the grace period stated in the loan docs is the XXXX. Nationstar knows that I work nights and go to bed at around XXXX. Nationstar called on XXXX XXXX at XXXX and I told them the payment would be made on the XXXX. They called again at XXXX on XXXX XXXX, at XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I believe this is harassment and I told them so. They claimed it was not harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
On XX/XX/2023 we started the process to remove PMI on our account. We sent an email to PHH Mortgage requesting this and received a letter in the mail on XX/XX/2023 from them which states the requirements for PMI cancellation. The first stated requirements were to make a principal payment of {$88000.00} or request a property valuation which would need to be {$940000.00} and achieve a Loan to Value of XXXX XXXX. We decided to request a property valuation and mailed a check in the amount of {$190.00} for the valuation fee. On XX/XX/2023 an appraisal was completed on our property. The appraisal amount came in at {$980000.00}. This amount is {$38000.00} more than the required amount of {$940000.00} needed to cancel the PMI. We received a PMI denial letter on XX/XX/2023 stating that the BPO/Appraisal ordered does not support the property value necessary to meet a XXXX XXXX  Loan to Value ( LTV ) . These parameters do not reflect what the required appraisal amount needed to be or the listed requirements on their website. We called PHH mortgage on the week of XX/XX/2023 to express our concerns and raise these issues. We were told this would be escalated to their PMI removal committee. On XX/XX/2023 we received a denial phone call.

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 2023-08-04
Company: PACIFIC PREMIER BANCORP, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The account was open XX/XX/XXXX, I paid the balance off at {$37.00} or more a month and the credit card remained in good standings. I continued to pay the monthly fees until XXXX XXXX. I requested the card closed today XXXX XXXX, XXXX, the creditor said the account was closed already though I would still have to pay the monthly fees and remaining balance. The creditor does not understand the positive balance after it remained the balance after it was paid off by a the time frame of the credit account. The creditor closed the account around XX/XX/XXXX, though it is not closed. I contacted the creditor XXXX XXXX, XXXX to close the account, the creditor said it was closed but they would still bill me for the positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/19 I applied for the Chase XXXX XXXX credit card while browsing for flights on XXXX. A banner ad displayed an offer of {$250.00} statement credit and XXXX bonus miles after spending {$2000.00} and opening a new account. I was approved immediately and completed the prerequisites for receiving these offers. When my statement came in XXXX, the only offer provided was the bonus miles. I messaged a Chase representative inquiring about the statement credit and was told I was not eligible because they changed the promotion. I view this as deceptive advertising as it is not the consumers fault that they are running outdated banner ads when a promotion has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This vechile was reposses from me in 2016 when the car was taken I never received the documents in the mail for the car being sold which it should have been sent to me. I have a cease and desist order with the company as they are not allowed to speak with me over the phone nor contact anyone as they contacted neighbors and advise that I did not pay my bill. I reached out to XXXX XXXX who is the complaince specilaist to ask what is the settlement on this account. They are still charging me interest on the account in the state of IL once the account is charged off I should not be charged interest for the loan they are reporting the loan to be closed but still the dollar amount has gone up over the year. I have reached out to the attorney general in the state of Illinois to advise of what this company is doing and she asked me to ask for a settlement and if they do not want to work with me I can file charges against them. I have done that and today XXXX told me via email that in order for her to help me I would have to remove the cease and desist on the account as they are not able to speak with me about it. I advised her that I will not remove this as the only communication I should get from them is in writting nothing over the phone nor will I provide them contact number. I have not been able to get the company to one remove this after the information that they are reporting to the credit company is not accurate they said that it is. I now would like to have the signed contract that states when the car is taken I will still be charged for the car interest even after the car is sold. In state of ILLINOIS this is not possible when the account is charged off. So I will like to have the documents sent to me and if they are not able to provide this to me I will per the FCRA they have to provide me the sign contract for me taking the car and saying they can still charge me.If they can not provide that I will like to either be offered a settlement for what was left to pay on the car or removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a CapitalOne credit card holder for 20+ years. The interest rate being charged right now is 25.24 %. Quite often - I pay off my credit card every month but recently - what with the very high cost of living these days - unfortunately I've now had to carry a balance. Being retired and on a fixed income - this rather high interest rate is making it a bit difficult to make any progress on my balance. I've requested the company lower my interest rate - especially since my credit score is in the 'excellent ' category at XXXX They've repeatedly told me no- they do not have the ability to lower the interest rate being charged on my card. I find this unacceptable. Have they not received a ton of money from me already in the 20+ years I've been with them? How can this be legal to charge such an exorbitant interest rate amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 have two capital one cards that the interst are way to high for national average on loans an the late fee is based on any particular merit just floats as the head XXXX stated to me so the late fee can be more than the minimum payment amount an the fee don't respond to the number if days you late they chage it the first day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was called by a calling house that wants me to identify my self and record my information and my voice. They have my name, address, and last 4 of my social security correct. I have tried to talk to supervisors in their companies with out success. One company name is ERC. The number that showed on my phone today was XXXX XXXX XXXX XXXX XXXX which identified as XXXX, WI. This call was today at XXXX XXXX Yesterday the call came from XXXX ( XXXX XXXX XXXX at XXXX XXXX  and it showed origin on my phone as XXXX, NC. I have asked repeatedly to talk to supervisors and get nothing. I asked for their location and they say they are ERC in XXXX, XXXX. I ask for a # to call them and they give the # XXXX. I am pretty sure it is the same people that called me on XX/XX/XXXX, at about XXXX XXXX  XXXX, # shown on my phone as XXXX ( XXXX ) XXXX and I called them back repeatedly to ask them the reason for their call. 
Thank you, for any help you can give in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX, Transunion and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over 7 years old. According to the FCRA, accounts older than 7 years must be deleted from credit reports. Since the original accounts are older than 7 years, XXXX must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to FCRA law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: ATG Credit, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a XXXX XXXX XXXX XXXX  on XX/XX/XXXX. After returning to work in XXXX of XXXX I struggled to get back to normal, my job had moved me to another department where I endured harassment by the senior ranking associate, leading to me resigning as management did nothing about any reports I filed. I was without a job for over a year, during which time I worked with XXXXXXXX XXXX billing department to attempt to reduce the monthly payment I owed. In XXXX of XXXX, I reached out to a third-party company called Dollar For to assist me in advocating with XXXX billing to reduce the XXXX bill. Within the week of receiving my request, my billing statement with XXXX read a balance of XXXX dollars and I haven't heard or seen anything about it since, until I received a debt collectors notice that the company Harris & Harris Ltd. had sent on XX/XX/XXXX and I did not get in the mail until a week later. I made sure to file a dispute with Harris & Harris Ltd. as the letter I received had inferred that legal action would be taken if I didn't respond by XX/XX/XXXX. I also contacted my agent with Dollar For to ask their advice one more time as to what to do and they sent me the link to report it here.

Company response to consumer: Closed with explanation