BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: IL
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:
these bureaus are falsely reporting alleged debt which is a 15 usc 1681a ( 2 ) ( B ) violation. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below and I have yet to receive a response after 30 days which is another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my Mother was first contacted via phone by someone who left a voicemail for her saying he was calling from XXXX XXXX, a third-party company retained by XXXX and XXXX regarding a pending legal matter that was going to be filed against me and that if I didn't want an action to be filed that I would need to contact their legal department immediately. I called the phone number and reached XXXX, XXXX and XXXX and spoke with someone who said her name was XXXX. She explained to me that the reason they were trying to reach me was because they were in the process of trying to serve me legal documents at my place of employment or anywhere they could reach me regarding a Chase debt ( that I had settled on XX/XX/XXXX ). I emailed her a copy of the paid letter and receipt. She responded that the settlement was actually only a payment and that this payment restarted the statute of limitations on the debt and that I still owe the debt. She encouraged me to acknowledge the debt and enter a payment plan and also stated that she and an attorney in her office were trying to add the debt to my credit report since it had not been reported, in error. I responded that I believed I had already settled the debt in full, that it was resolved, and that I would be getting in contact with an attorney to assist me with this matter. She responded that it would be cheaper for me to just settle than to pay an attorney and reassured me that she was calling from a legitimate, licensed debt collection agency. She encouraged me to look up their business license with the department of Commerce. She also verified my social security number and many other person details such as how much credit I currently have and most recent place of employment. I continue to receive debt collection calls about this settled debt from spoofed numbers threatening that I still owe the Chase debt and that they will sue me and see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX he has changed company name twice since Ive spoken with him. He has got in contact with me about a debt. But on days he can not contact me hes called my relatives and has gave them information where I work. My addresses and phone numbers. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MI
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:
you have sent me this letter after my complaints This is my EMAIL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ( XXXX ) XXXX Social Security # XXXX This is Me if i have any more difficulties with this matters i will have to take a legal approach

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 2018-02-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Chase bank for a while. I used to have many credit cards from them including chase freedom, because the good experience with them, I even closed my XXXX XXXX XXXX debit card and opened chase debit card savings and checking account. 

I am working as a XXXX XXXX XXXX at XXXX XXXX XXXX, where I am serving the biggest client XXXX XXXX. XXXX XXXX has many travel partners, so in XX/XX/XXXX, I used my chase freedom account to buy XXXX usd XXXX gift cards for XXXX XXXX travel partners becasue the company credit card was not working. This is guided and approved by my president. But in XX/XX/XXXX, I  suddenly found out that Chase closed my chase freedom account without checking with me. Generally other banks will call me, and check with me on the purchase, Chase didn't check with me and closed my account directly. 

When I called them, they said becasue my purhcase is big, which is XXXX USD out of the XXXX USD credit line they issued me. Chase also said I have no credit history, if i don't have credit history, why chase would approve the credit for me before?? Although my company didn't reimburse me all the money in time, I was still paying the chase freedom way more than the minimum amount they required. I don't understand why they close my account and gave me the reasons that doesno't make sense. 

I talked to the other two chase staff about this issuse, they either said they can not talk about it. Or they tell me, i can reapply the credit card but they can not reopen for me. Becasue I just compared the XXXX plaitinum card with Chase sapphire reserve, so I feel chase sapphire reserve is a better option for my travel plans. So I applied for that card again. Which I used to have one, but my husband closed it. Chase declined my application, and said the reason is becasue I had the unsatisfactory performance with them, which means I can not apply for any of their other credit cards, and what they told me i can reapply is the lie. I totally not accept the treatment I gained, i know I am a XXXX and I have language barries, but I feel i receive the great unfair treatment from Chase. All the customer services i spoke with are rude, and they don't tell me the reasonable explanations of why they closed my acocunt without chekcing with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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:
Good afternoon I mailed out a certified letter to Equifax requesting to remove the extended fraud alert from my report, I provided the required documentation to prove my identify. I have not received a response from Equifax and neither has the alert been removed. 

Please see the attached file for a copy of the letter sent out along with the documentation provided. 

Please remove the extended fraud alert from my report immediately. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Currently, I have a  XXXX  mortgage with  OCWEN Loan Servicing. Over th e last 3 months I have noticed that the payments are being applied to my checking account for deposit close to the late notice deadline, the  XXXX  of each month. In fact, two months back, I was charged a late fee although the payment was sent on the first of the month, before the deadline. I immediately started to receive threating foreclosure calls to my home. This prompted me to start tracking check deposit dates which in all cases were close to the   XX/XX/XXXX .  This month,   XX/XX/XXXX   the payment was mailed with 2 day delivery ( through the postal service ) and the check was not deposited until  XX/XX/XXXX .  <P/> I am concerned that this company is being intentional about late payments and perhaps derogatory credit rating. It was troubling that with a late payment ( which was their delay ) that calls started immediately to home threating foreclosure.  <P/> I am concerned about this company and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %

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 2017-06-16
Company: Army and Air Force Exchange Service
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX-17 Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of social security check XX/XX/XXXX. I was told by XXXX XXXX XXXX and army & air force exchange service said they will offer a buy out in XX/XX/XXXX. I 've heard from them.

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 2017-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account is n't updated with my   XXXX   XXXX   account in a timely manner.

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 2019-04-16
Company: JPMORGAN CHASE & CO.
State: VA
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:
Hello, I have a Chase XXXX XXXX Visa credit card that had a promotional offer stating if I made a purchase at a retailer, XXXX, I would receive 10 % cash back on my credit card, up to {$17.00}. I activated this offer, then proceeded to make a {$260.00} on XX/XX/2019 ( see Attachment 1 ). I checked online and was only credited {$9.00}. Chase stated because XXXX broke up my SINGLE transaction into two separate charges ( not sure why they processed this transaction this way, see Attachment 2 ), I was only eligible for {$9.00} instead of {$17.00}. I feel like this is an unfair business practice as the consumer does not control how the merchant processes and ultimately charges customers. I contacted Chase two times, and the first individual said they would refer my complaint to card services. I received notification via mail ( see Attachment 3 ), that I would only be credited {$9.00}. I offered to send my receipt to the credit card company and they did not care. They said I would need to contact XXXX. This offer was made to me through Chase, so I don't understand how XXXX would be responsible for crediting me the remaining {$8.00}. I feel that if this is a standard practice, there are likely other consumers that are also being treated unfairly after spending the required amounts of money to qualify for these offers. This seems like an unfair business practice. I upheld my end of the agreement, used this card for this reason, and was told I would not receive the promised amount. While the amount is arbitrary ( {$8.00} ), it's the practice that I feel is abusive, and as I mentioned earlier, other consumers are likely impacted by this practice. In aggregate, who knows -- XXXX has a large customer base and Chase is probably gaining a large amount of XXXX XXXX Credit Card holders through this relationship. If customers are not actively checking their accounts for credits, they would not know that they were losing money promised to them by the creditor. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an   XXXX   score of  XXXX . My bank offers free  credit score information. It said my Trans Union score w as  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

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 2022-08-30
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A structure fire occurred at my home on XX/XX/2019. XXXX XXXX XXXX is my homeowners insurance provider and US Bank is in charge of the mortgage on my home. The Loss Draft Services department of US Bank was given a total sum of {$240000.00} from XXXX XXXX XXXX. They in turn were given the responsibility of disbursing that money to the contractor/myself. Due to Covid, the fact that my home was built in the mid XXXX 's and required special attention, and my insurance company/US Bank being slow to respond, the process of reconstruction was just completed this past spring. 
The contractor is missing roughly {$29000.00} of the money that my insurance company gave to US Bank to disperse. I have called numerous times and written several letters over the past few months. When you call the Loss Draft Services Department you get a different assistant with each call. You are treated with disrespect and basically called a liar. They are of no help. I have yet to be contacted by a supervisor about this matter. I am to the point of hiring a lawyer to handle this complaint. 
The first few disbursement checks were written out to the contractor and not to me personally so I have no way of tracking those checks with my bank. I can track the final disbursement checks because they were written out to me and I deposited them and paid the contractor. There happens to be a check from US Bank for $ XXXX that I do not recall getting and neither does the contractor. I believe that check could have been lost in the mail since I had to move around a bit while my house was being reconstructed. 
I have asked/pleaded with US Bank to be sent copies of all of the cancelled disbursement checks showing both the front and the back of each check. I want to see who signed for/cashed each check and where the money was deposited. I have yet to be given those checks. They are a bank and should be able to supply me with those copies in a matter of a few minutes. I am still waiting!!! I personally believe they have lost the check and just simply do not want to be bothered with my complaint. 
In the meantime, I am having to either refinance my house or get a home equity loan to make up for the lost {$29000.00} from my insurance company that US Bank had in their possession. Any help/assistance/information would be greatly appreciated. I am at a loss and US Bank Loss Draft Services is not willing to respond or help!

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 2019-07-18
Company: American Recovery Service Incorporated
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To : CFPB RE : Disputing Fraudulent charges I am writing this letter to make a formal complaint and dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX for making about 10 unauthorized charges to my checking account affecting me because I received overdraft charges of {$35.00} each. By XX/XX/XXXX I tried to use a new merchant company I contacted XXXX XXXX XXXX within 3  business days I didn't like their services and I decided to cancel it ; to proceed with cancel service I have to return the merchant device and closed the account I did returned the equipment but also they advise me that I had to get in contacted with XXXX XXXX XXXX XXXX that was the main merchant company for XXXX XXXX. Immediately I contacted them by phone to cancel my services, after while I stared getting charges under the name of XXXX and I contacted my personal bank they gave me a phone number I called them but they sounds to be a different company and no idea about me? and they couldn't help me, in the mean time those charges was made to my account, then by XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Phone : XXXX for the amount of {$530.00} Ref # XXXX under the name of XXXX XXXX XXXX XXXX I contacted them and this was in connection with XXXX XXXX XXXX XXXX I spoke with XXXX Ref # XXXX she explained me that they are trying to collect a debt on my name XXXX XXXX XXXX XXXX XXXX ) I advised her that I have not relationship with XXXX XXXX XXXX XXXX for long time, and inclusive I returned equipment ( device to charge credit cards ) that I have no records of services with them, she personality verified what I was saying, and she tried to do conference call with XXXX XXXX XXXX XXXX to clarify this annoying and incorrect procedure from XXXX XXXX XXXX XXXX AGAIN! @ XXXX but it was unsuccessful to get a person over the phone and left few messages to them explaining why I need them to stop charging for a service that It doesn't exist, until today nobody has contact me and I really concern because I can lost my checking account getting overdraft fees. Please I really appreciate your attention on this matter. 
I really want to proceed with formal complaints to these companies, and clarify those fraudulent charges and avoid that this collection company record any negative records in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a loan for a Hyundai XXXX I purchased on XX/XX/XXXX in XXXX. I moved to XXXX state and need to register my vehicle in XXXX I completed Hyundai Motor Finances title transfer online as well as had the local XXXX XXXX fax a request for the transfer on XX/XX/XXXX. The website says to allow for XXXX business days. It has now been XXXX and I am being told that it could be another XXXX business days. I am unable to register my car as required by law because of the delay. Customer service has said there is no way to contact the title department and I must just wait. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are no notices or warnings that there is a delay or any process to expedite title services when the lack of title renders the car unusable and violates state 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 2017-06-16
Company: EQUIFAX, INC.
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:
Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Affirm Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. But Affirm 's website won't let me dispute and their customer service was not helpful. I need affirm to dispute this item and refund my {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation