BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: Merchants' Credit Guide Company
State: IL
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:
Merchants Credit Guide was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead Merchants Credit Guide sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: NY
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:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF 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 2023-11-28
Company: Experian Information Solutions Inc.
State: VA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-05-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi Someone ordered TV from XXXX using my chase freedom credit card for {$440.00}. I was working that day ( XXXX XX/XX/2019 ) and I received email that XXXX order is ready to pick up and than few minutes later about thanks for picking up the order. I looked in my XXXX app and was surprised someone ordered & picked up TV. I called chase bank right away and they acknowledged that it is Fraud and credited me the amount. However on XX/XX/XXXX they put the charge back stating that it was done from my XXXX account and I have history with the same merchant ( someone bought TV 2 years ago from my XXXX account in Texas, new card was sent to me than and I changed my XXXX password ) so it is not a Fraud and is a dispute. I called XXXX and they state it is a chase card issue, Chase says it is out of there hands, talk to XXXX. I feel like consumer is being hassled in this and no one wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Mr. Cooper assumed responsibility for my fixed mortgage beginning XX/XX/XXXX. The first statement matched my previous monthly payments of {$3900.00}. The following month the statement increased {$4400.00}. In reviewing the statement it was primarily due to an increase in escrow from {$1500.00} to {$2000.00}. Knowing my taxes and insurance hadn't increased significantly it didn't appear correct so I called Mr. Cooper on XX/XX/XXXX and was able to confirm with the customer service rep I spoke with ( XXXX ) that their records reflected the following : -annual taxes were listed as {$17000.00} -annual homeowners cost was {$2700.00} -there was a shortfall in escrow of {$270.00} -there had not been an escrow analysis run by Mr. Cooper since taking over my mortgage -they claimed they did not change escrow charges without an analysis.

Getting that information took 56 minutes, every question was responded to with a pause of over several minutes until I would ask if they were still on the phone. 
I review the above numbers with XXXX and asked her to confirm that if an escrow analysis was done would the logic be to add the above numbers and divide by XXXX to reach the new escrow charge. She confirmed yes, we went thru the math ( total = {$20.00}, XXXX divided by XXXX = {$1600.00} ) and XXXX agreed. When asked what could be done XXXX responded " nothing ''. I asked if there was someone else that would be able to do something or at least explain and was transferred to XXXX who claimed she couldn't access my records, and suggested I call back later in the week. 
Feeling a little unsettled that my mortgage company didn't seem to have access to my records I submitted a " qualified written request '' as they suggest on the monthly statement explaining my concerns as well as all the details listed above. 
I called back on XX/XX/XXXX and spoke with XXXX. I recapped the earlier conversation with details and she said all she could do was " initiate an investigation ''. 
I received a response to my " qualified written response '' stating they would get back to me by XX/XX/XXXX. 
My overall impression is disorganization or incompetence- not feelings one likes to have towards the keepers of ones mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CL Holdings LLC
State: FL
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 am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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 am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

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 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The calls began about 2 months ago from a variety of phone numbers, I would answer and inform them that the debt is no longer mine as my ex husband took it in our divorce agreement. They would argue with me and tell me that is n't how it works before I would hang up on them. 

The calls came 5-6 times a day and recently I 've asked them 5 times, through mail and phone calls to remove me from their call list and not to call me. Every time I ask they try to get argumentative with me and I hang up. 

I 've told them if they continue to call me I would be filing against them because this is getting awful. They purposefully call me on my phone I use for work, while I 'm at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed without reason I called and a rep by the name of XXXX was rude and extremely unhelpful

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 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank Of America, I have trouble recognizing an account ( s ) on my credit report. It says I allegedly owe on multiple credit cards, account numbers # XXXX, XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.

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 2020-01-07
Company: Experian Information Solutions Inc.
State: NY
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:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF 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 non-monetary relief
Consumer complaint received 2022-01-22
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my husband was determined at XXXX XXXX XXXX XXXX XXXX  XXXX effective XX/XX/XXXX. We submitted required documents to our County tax office and were determined to qualify for 100 % personal and real estate property tax relief. All documentation was submitted to Caliber Mortgage company in XXXX, and then again in XXXX after it was reportedly no received. Finally after no relief, we requested a current escrow analysis, ( the open ticket request for resolve had been closed ). We received a XX/XX/XXXX escrow analysis still purporting that we have a responsibility to our local county taxes, when in fact we do not. We continue to pay in excess of what our mortgage amount should be each month, and for several months now, Caliber has refused to correct the accounting. Caliber was provided this information originally on XX/XX/XXXX, again on XX/XX/XXXX, a formal request for escrow analysis was ticketed on XX/XX/XXXX XXXX another ticket was created on XX/XX/XXXX requesting resolve. An email was sent to area managers, requesting resolve on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 deposit check for {$2500.00}. Account restricted and hold placed. Fraud contacts employer, verified check, restrictions lifted, hold remaining. XX/XX/23 branch manager verified check AGAIN and removed hold. Confrontation with employer leading to termination, co worker called and reported fraud after already verifying check multiple times. Account restriction again, branch manager fixes, fraud continues to do it, I was told to file a police report, account still restricted no access and no resolution. EVERY representative had an entirely different response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Army and Air Force Exchange Service
State: NC
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: Problem with personal statement of dispute

Complaint:
The following dates indicate late credit card payments on my credit report : - XX/XX/XXXX ( Preparing for XXXX to XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Military Training ) At the time of these late payments in XXXX, I was in the process of deploying/deployed to XXXX in support of Operation Freedoms Sentinel. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. In XXXX, I was in the process of a Permanent Change of Station due to ongoing military obligations. In XXXX, I was attending military training with little to no internet or telephone access. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my Duty Orders with this letter for reference.

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 2019-12-30
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is violating my rights under the Fair Credit Report Act. Equifax has XXXX XXXX XXXX XXXX XXXX three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a voice message from XXXX ( identified as United States ) stating the message was for XXXX XXXX XXXX, requesting a callback at XXXX. I called the number provided spoke to " XXXX '' who stated the matter would be investigated and they would continue to attempt to collect the outstanding debt from 2017 from a pay day lender ( XXXX XXXX ). I informed " XXXX '' I had never heard of XXXX XXXX, she then asked me if I knew " XXXX XXXX '', which I replied no, she asked if I knew " XXXX XXXX '', I once again replied no. When I attempted to ask her for the documentation she hung up on me. Irritated, I called the XXXX number again and spoke with " XXXX ''. I retold the story, he asked me to confirm the last 4 digits of my social security number when he read them off. I confirmed and advised I had no knowledge of such a debt and to please provide me written documentation. He asked if a very old address was my current address, I advised him that his information was incorrect. He also then disconnected the call. I believe this is a collection company called Midland, they are clearly using improper tactics and not providing full details when they are making these accusatory telephone calls. I attempted to call the XXXX number again, only to discover it was now " Out of Service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-03-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I accepted a promotional offer from Well Fargo. At the time they did disclose that payments would be applied to the highest interest rate above the minimum payment. However, what they did not disclose was that you have no method to pay off particular portion or charges leaving zero options to avoid paying interest except paying off the card in full. My under standing was that their was an up front fee. Their was no disclosure that my actual interest rates would be higher because of Wells Fargo conceived limitations to how a creditor can pay off balances in a payment system. 

Furthermore, I was told their was no disclosure about the payment limitation nor one about the fact that some of your " Balances are Subject to Interest Rates '' when I agreed to the offer. 

In review. Instead of being charge the disclosed flat rate ( 4-5 % ) I'm actually paying 5 % plus 21.99 % variable rate on 10 % of my account balance. I have no idea how they came to that figure because I paid off the card prior to accepting the offer and they refused to disclose it and/or mail me anything once I questioned them. Even if I wanted to pay off those " Balances Subject to Interest Rates '' I can not do so because Wells Fargo 's designed/programmed the to do just the payment system to be able to collect additional fees not disclosed. 

I find that to deceptive business practices.

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 monetary relief