BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX and XXXX are reporting inaccurate information on M & M CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Also, I tried contacting the XXXX and XXXX Credit Bureaus to request a complete payment history with this account for me to review the exact date on which the collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: JPMORGAN CHASE & CO.
State: NJ
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 rewards from credit card

Complaint:
On XX/XX/2020 a flight using Chase Sapphire XXXX rewards was canceled by the airline. In XX/XX/2020 I called to ask for a refund. After almost 90 mins on the call and it being escalated to a supervisor I was confirm that the refund of points would take place in roughly 30 mins and the credit portion refunded in 48-72 hours. The commitment was never kept. Over the last two months I have called multiple times, filed multiple complaints and escalations including a review of the voice recording of our original call. Confirming I was promised a quick refund by the supervisor. I was advised if this was confirmed they would honor that commitment to be just later told, after confirming that it was a mistake and they cant honor it. Even though the original deadline has not been honor the worst case was to expect a refund in roughly 8-12 weeks, it has now been 14 weeks and no communication from Chase and no refund. Chase is holding roughly {$1300.00} of my money hostage for over 3 months at this point. During these hard times {$1300.00} goes a long way as well as I feel they are responsible for the fraud and lies promised on the first call captured on a recorded line. Overall I have spent over 5 hours trying to resolve this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-03-04
Company: EQUIFAX, INC.
State: WV
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:
To whom it may concern : On XX/XX/2020 a call was received from a XXXX XXXX XXXX  regarding FHA Streamline Loan. After discussing terms with XXXX XXXX at XXXX XXXX we were re-assured this would NOT be a hard inquiry on our credit. So, it was to our surprise to find one on our credit from this company. We NEVER authorized a hard inquiry as we have been comparing and considering our options to find what company best fits our needs. We have spoken with a number of companies and, this is the first that has caused this inquiry to impact our credit. Im demanding this inquiry be researched as it was not authorized and XXXX was dishonest about what he was doing. A number of times we asked & expressed a clearly that we didn't want a hard inquiry on our credit. There were attempts to call him and request a correction of his error. We have been unsuccessful. We XXXX, and attempted to talk with XXXX 's employer at XXXX XXXX directly. Unfortunately, weve not heard back from them either. We are asking credit agencies to remove this inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir or madam, I am looking for validation and verification of the alleged debt attached. I have tried to resolve this with the company and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has reported incorrect addresses, spelling of my name and phone number. I have reached out to Experian via phone and mail with no updating. I need the following deleted : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, XXXX, IL. XXXX Please delete phone number XXXX. This is not my phone number. Update phone number to XXXX. 

Please correct the spelling of my name. My full name is XXXX XXXX XXXX. Please delete 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I subtmited a merchant dispute for merchandize not received with my bank on XX/XX/XXXX XXXX, the bank never sent any letter of the status of the claim. I called XXXX XXXX to know about the case and I was informed that the case was closed without any advice to the customer because the bank sent me an email to a different email address I provided. They have my last name of my email wrong. 
So I opened the case again on XX/XX/XXXX with the information requested, that was the invoice showing that merchant must sent items to my address. 
I sent it and on the same day the bank said that on the invoice is not written, and it is. Is wirtten that shipment service was included and also the address where must be sent. 
The bank didnt follow the instruction I gave them by phone, to start the merchand dispute. Also didint follow the regulation E and Z procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: The Outsource Group, Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Medcredit it called a week ago for a debt for XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX so I XXXX several version. Nothing in my state or area. Mostly in XXXX and nothing familiar to me. I called the number and told them I did not know XXXX XXXX XXXX. She said thank you and hung up. Odd I thought. 
Received another call - Came in with no caller ID, no number. Left similar automated message. I called back. Gave them my name and phone number. They started to ask for personal data. Address, date of birth... I said I was not comfortable supplying personal data and please let me know the location of XXXX XXXX XXXX because I have received nothing from them, no them or received anything from MediCredit. She refused to share any of that data without my personal data. I explained I do not know you, no caller ID and you could be anyone. Now I am calling them back with XXXX details from the phone they called. Seems that is all they should need. She refused to give me any further information. I again explained, I want to clear this matter up. She refused my request without giving them personal data. She refused to give me the business address, just a billinb address. I am stuck here with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Old information reappears or never goes away

Complaint:
A few family members and friends had used my address and capital one agreed to remove them and stop sending pre approval quotes to my address. The following people no longer get mail to the following address XXXX XXXX  XXXX XXXX XXXX ny XXXX. I just want them removed as the capital one rep said they would do. 

1- XXXX XXXX 2- XXXX XXXX  3- XXXX XXXX 4- XXXX XXXX. XXXX 5- XXXX XXXX 6- XXXX XXXX 7- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selenes abusive behavior has continued, but their methods of abusing their customers continue to metastasize. In our latest monthly mortgage statement ( XX/XX/23 ), Selene included {$950.00} in fees and charges. Here is the breakdown of charges ( see also attached document ) : XXXX XXXXXXXX XXXX  : {$31.00} XXXX costs : {$310.00} Publication : {$71.00} Postage Charges : {$590.00} XXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX  : {$31.00} XXXXXXXX XXXX XXXX XXXX {$20.00} There is no further explanation for the fees/charges ( what are XXXX costs? ). I see no reasoning for these charges ; many of them seem excessive or ridiculous ( {$590.00} in postage charges! ). These charges are in addition to what Selene skimmed from our reinstatement payment in XXXX ( we have not received an explanation for what charges/fees were collected beyond the reinstatement quote in spite of submitting a qualified written request ). 

I would like the immediate removal of these undue charges on my account. 

I am completely unsurprised and somewhat amused at the continued machinations that Selene is pursuing to collect monies from their clients.

I doubt that Selenes attempts to collect extravagant fees are legal ; but they are definitely worth criminal scrutiny. I would like to again recommend that the CFPB refer Selene to the FBI for criminal investigation. Selene has continued to abuse mortgage laws, and their license to practice as a mortgage servicer should be revoked immediately and irrevocably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: MD
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 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 reason.

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 2023-01-01
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Name : XXXX XXXX  XXXX XXXX XXXX account # XXXX 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 non-monetary relief
Consumer complaint received 2022-02-08
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, My XXXX XXXX was compromised, and I had to payoff my Apple Card ( Golden Sacks ) account and close it because it was linked with my compromised XXXX XXXX. I was then told that I could apply for a new card using my new XXXXXXXX XXXX, so I did that. After multiple calls and miss leading information that multiple representatives provided me I was so upset and requested to withdraw the application on XX/XX/2022. Perhaps an hour after that I re-applied and patiently waited, and after 2 days the application was declined because of not being able to verify my identity. 

My identity was not compromised nor it changed and in both applications that I have applied they were declined because of not being able to verify my identity after providing twice a scanned copy of my drivers license as requested. 

When I called Golden Sacks I keep getting the run around and miss leading information. My concern now is that the first original account that was opened and approved with a {$4500.00} credit limit an unexperienced representative reported Fraud in the account and that is the reason why I am constantly getting declined. In addition, because I had to close the original account that was opened that is going to impact my Credit Bureau Reporting and drop my credit score. 

I have been miss lead, and bounced around by numerous agents and this is the worse customer service experience that I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, this creditor has violated my Rights! Under Act 15 U.S.C 1681section 602 says, " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 states, " It also states consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-03-13
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 got a copy of my credit report and I have inquires that I didnt not request on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts today from the three credit bureaus ( XXXX, XXXX, and Transunion ) that there were two credit inquiries on my credit report which I didn't authorize. 

As a victim of identity theft I want the credit inquiries removed from my credit reports. I called XXXX XXXX  and XXXX XXXX XXXX  and they told me to contact the credit bureaus to remove the credit inquiries. I contacted the credit bureaus but they were not helpful.

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 2023-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX, my husband 's hours were cut, my Mom who had XXXX had reached the maximum payout for her long term care, so I became her full time caregiver and XXXX of my children moved back home. We were having difficulty making the house payment, so I called the lender and they granted a forbearance over the phone. I did not sign any paperwork nor was anything discussed regarding payment arrangements. I extended the forbearance in the same manner several times. 
There are 3 homes on the parcel, 2 of them are rented. The XXXX came in XX/XX/XXXX, because the tenants turned the rentals into XXXXXXXX XXXX XXXX. My husband and I were XXXX  and they never went after the tenants. We discovered a water leak in the main home that did {$140000.00} in damages. The lender, SPS was aware and received the insurance payments to disburse. 
Once the remodel was completed in XXXX, we were once again able to rent the homes and began making mortgage payments. The lender rejected the payments and in XX/XX/XXXX filed a Notice of Default. 
Since this time I have been working with the lender to reinstate the mortgage, but they are insisting on {$100000.00} in back payments. I was assured the foreclosure would be halted while we were attempting to make arrangements. 
Yesterday I was notified they have moved forward with a foreclosure sale dated XX/XX/XXXX! I have been unable to speak with anyone other than a customer service rep to go over any repayment options. California has a program where they offer up to {$79000.00} to bring the loan current, but I am unable to speak to anyone about an arrangement to lower the total to at or under {$79000.00} and possibly place the remaining balance on the back end of loan or make additional principal paydowns. 
SPS Servicing is the servicer, XXXX XXXX  is the lender and XXXX XXXX XXXX Processing is the one who filed the sale date. I just received the name and number of the attorneys involved, XXXX XXXX XXXX in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Hello, I have spoken to Governor XXXX XXXX XXXX office which confirmed that per the XXXX website, all Californian 's are under the protection against negative credit reporting and lists my bank, CitiGroup ( Citibank ) as an institution that acknowledges this ordinance. However, Citibank has reported 5 of my accounts negatively throughout XXXX. 
1 ) I have 2 citi credit cards reported as 30 days late in XXXX, XXXX XXXX of XXXX. Citi is aware that I had called 3 times in XXXX to request a covid deferment and they replied that no such program was available. My 3rd call is logged as XX/XX/XXXX wnere no program was avaialble. They launched a program on XX/XX/XXXX after my account was posted late and even after being enrolled in a covid deferment, my 2 cards were reported as late. 

2 ) My 3rd Citi card is reported as late XXXX XXXX and then reported charged off. They would not enroll this card without first requiring it be current after I explained that I was impacted by covid as early as XX/XX/XXXX. 

3 ) My 4th card, Best Buy, backed by CitiGroup, was reported as " Closed by issuer, Never late '' which has a substantial negative impact to credit. There was no reason for this card to have otherwise closed. 

I have made several calls into Citibank. I have reached out to the Executive Response Team and I have not received a resolution. The Governor 's office has requested that I followup with the outcome of this as we believe this to be a wide spread concern against the credit protection ordinance. 

I appreciate your help. 
XXXX XXXX XXXX XXXX cc. attachments and screen prints available.

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