BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is an account on my credit report that isn't mine. I tried calling the merchant, and they indicated to dispute it, and that they do not report anything to the credit bureaus. So, either the credit bureaus are lying, or so is the merchant, or both. Please remove it immediately as this is a violation of the Fair Credit Reporting Act

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 2021-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reported unauthorized debit card transactions to Chase Bank and on XX/XX/XXXX, received " permanent '' credit after Chase conducted and completed their investigation. On XX/XX/XXXX the same merchant was able to debit my account which was now listed as a " reacurring transaction '' and I notified Chase again and this time I was issued " provitional '' credit that was reversed on XX/XX/XXXX. I found out today that Chase Bank 's Caim Department input the claim incorrectly listing the payment method as " other means '' but failed to provide me with what " other means '' meant. I spoke with customer service and retail claims, was hung up on by " XXXX '' in retail claims after he failed to provide me with basic protocol guidlines that a financial institution must follow under federal regulation, EFTA, 15 USC 1693 et seq which was implentnted by the federal reserve and its sole intention is to protect consumers. Chase Bank and their refusal to uphold their fiduciary obligation under Regulation E borders on criminal. I would like a formal investigation conducted into JP Morgan Chase Bank for unfair and unethical business practices, violations of regulation e, tax evasion, breach of contract and violations of the CCPA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-10
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As XX/XX/XXXX mortage company sent me overage payment from escrow which was about {$4000.00}. I called to ask why and got the run around. After that the payment went up. As of XXXX XXXX i was sent another check of overage about {$150.00}. Did not try to contact mortage company because of the first attempt to at calling.After recieving check the house payment went up for the second time. As of XXXX XXXX I was still sent another overage of {$150.00} and payment will go up in XXXX about from {$1700.00} to {$1700.00}! Last check that was sent i am sending back to escrow to be applied to escrow. As of XXXX. Keep in mind this is a F.H.A. fixed rate loan! I have never had a loan go up like this for a fixed rate loan. convental or f.h.a. loan. Keep in mind the starting loan amount was {$1600.00} and has repeatly went up since the loan was inatiated. There should be no reason or explaination for the loan amount to go up!!! If they can not maintain this loan i will be forced to go into foreclosier because i am on XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: DISCOVER BANK
State: MA
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: Was not notified of investigation status or results

Complaint:
Below is the letter sent to XXXX  begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/XXXX  refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because XXXX  will not allow me to access my credit file, I have provided all identification information online and over the phone and XXXX claim you can not verify my identity. In addition, XXXX  has caused Discover to close my account because XXXX  stated they could not verify my identification provided through the requested form 4506-T Discover submitted. 

I called and spoke to an XXXX  representative on XX/XX/2020 regarding this issue and was told that XXXX  doesnt have enough information to verify my identification. This I dont understand knowing that XXXX  is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but XXXX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now Discover closing my account due to XXXX  neglect. 
Attached is a copy of my Drivers License and Social Security Card, as  requested. I need access to my XXXX  account and I need XXXX  to provide the requested information that Discover asked for so that maybe they will reconsider re-opening my account. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TSC Accounts Receivable Solutions
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with TSC Accounts Receivable is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and TSC Accounts Receivable have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in 2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: JPMORGAN CHASE & CO.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a fraud charge of {$97.00} for XXXX XXXX, on XX/XX/XXXX Chase gave me a credit for it. 
On XX/XX/XXXX XXXX sent a credit, On XX/XX/XXXX Chase recharged me the {$97.00}. This should make us even. Actually the supervisor agreed we XXXX out. Now they say I still owe the {$97.00} and it must be from a previous charge. Funny the exact amount from another charge. No. I have been paying them in full for months now except for the {$97.00}. I spoke with a supervisor last month that assured me it would no longer show. It was a fraud charge to begin with. I owe them {$86.00} which I will pay in full. They can not show me anywhere that I charged another {$97.00} or any balance for that amount. How can you agree two fraud charges minus two credits equal XXXX balance but still charge me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to lift my credit freeze with Equifax, XXXX, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was drove to hospital in ambulance for XXXX XXXX reasons. There was a lapse in my insurance and they cant the insurance because I didnt have it at the time. There was like a month or two lapse. The bill was around {$4000.00} I cant really pay that Im on a fixed Income. Im on 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 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX of XXXX my car was repossessed a day before XXXX. I had no knowledge this going to happen. I was experiencing a financial hardship due to my recently finishing school so I was not working full-time. I had called Capital One and explained this and they first tried to assist me but this was a difficult time personally and financially. When they took my car, I was devastated and it really took a toll on me but to make matters worse customer service was very rude when I tried to find out where my car was to get my personal belongings out of it. After some time went by I tried to resolve this matter but my car has been sold. I was never sent a letter about a auction, I was never given any information on how to get my car back. One day a customer service rep called me and stated that the remaining balance on my car was XXXX. I asked her to send a breakdown of this bill, she never did. I also asked her when was the auction held and why wasnt I notified, she was very rude and never answered my questions. After that I checked my credit report a few months later and the charge was there. I never got a bill! My XXXX kids and I had to walk and catch the bus for 2 years as a result of this. I tried to reach out to Capital One and they will not provide the information or take it off my credit report with XXXX  and XXXX. They are actually still reporting it late! 37 late payments but I dont have the car and the account is closed. It also states that I am being charged interest and that I made a payment in XX/XX/XXXX which I never did because I never received any further correspondence. I am respectfully requesting that this account be removed from my credit profile immediately as I have tried to resolve it with Capital One Auto and still no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions Inc.
State: FL
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 have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX # XXXX with the credit bureau several times,  the last time was in XX/XX/2018/XX/XX/2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.

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 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.

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 2019-02-10
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a Payday installment loan in XX/XX/2018. Then I was planning to pay for it in full. The acquired loan was {$3300.00}. My daughter got sick and needs care multiple states away. I didnt realize until after I signed and my wife was like oh my gosh you just agreed to pay them over {$13000.00}. I challenged her and said no I didnt. It was then I didnt realize the entire thing and what I signed up for. Coming from the state of Georgia where PayDay loans are illegal. I read the loop hole that says only loans of {$3000.00} was government governing the interest rate to I believe 29.9 %. That made me realize why XXXX only gave a loan of XXXX us to put us in this never ending, taken advantage of, etc.. I the consumer knew after reading up that I finally realized they stuck me with a 350 % interest rate for 12 months paying over {$10000.00} in interest at almost {$1000.00} a month. It breaks my heart how people are getting taken advantage of from a Payday loan company hiding within that said company. Would them doing a means test save the unfortunate like me who tripped up on the company wording? Ive notified them repeatedly through email as of now that is my only form of communication. Their getting back to me is horrendous. They dont answer my email ever except for begging them to and then all I ever get if what can we do to help.I always respond to them and once again lack of, or no communication. I have every single email with that company. I filed a complaint to XXXX  and was sent an email from the XXXX  stating they didnt even answer their communication reach out. I never thought I was signing up for a {$3300.00} loan costing me over {$13000.00} in 12 months. I would never have ever. Thats almost my house payment each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my 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 2020-08-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
This complaint is regarding a closed Amex blue cash everyday credit card. I was mislead twice by Amex online chat agent and it caused the loss of one of my longest credit history. 

My card was closed by Amex without noticing me in XX/XX/2020. The reason for closing was inactivity, the account had XXXX balance. I found this out within a few weeks while checking my credit reports and contacted Amex via online chat on this issue. The chat agent told me if I call Amex within 1 year of closure I can get my account and credit history back. I contact Amex a second time via line chat and they told me the same 1 year rule. I called Amex in early XXXX, and the call agent notified me they can not reopen my account and I had to call within 90 days to reinstate my account. I was mislead twice by Amex online chat agent about their company policy and that lead to loss of my credit history on this account. This shows mismanagement and an inability to serve customers in the most basic tasks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B.

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 2020-05-07
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo has been reporting inaccurate balance history information to the credit reporting bureaus and I am having no luck getting this information corrected. This incorrect information hurts my ability to secure increased lines of credit because I am not able to demonstrate a history of paying off larger balances with the current incorrect information. I contacted XXXX  and tried to dispute the information on that end but they explained that it was Wells Fargo that supplies the information. Additionally, WF has not updated my credit card balance for the past two months, even though they reported inaccurate monthly payments. I would like updated information to be supplied to the reporting agencies. 

For example, XX/XX/XXXX, WF reported a {$25.00} payment, actual payment was {$320.00}. XX/XX/XXXX, WF reported {$25.00}, actual payment was {$250.00}. XX/XX/XXXX, WF reported {$25.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$51.00} ( actual payment {$150.00} ).  XX/XX/XXXX, WF reported {$49.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$57.00} ( actual payment {$200.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$400.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$300.00} ).

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 2018-10-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to complete a successful modification since XXXX, have attempted several appeals and haven't received any resolution from the escalations department although I have reached out on numerous occasions. The escalation department nor anyone with any authority is available after XXXX Pacific time making it even more difficult to try to obtain any results. 

A supervisor today ( XX/XX/XXXX ) stated that he does not see any escalation replies on my file since their last communication of XX/XX/XXXX when they stated they will review my information and provide a written response within 15 days. However, we did receive another letter dated XX/XX/XXXX from a different department requesting additional time due to the complex nature of our situation but as of this date, no written response has come and it has been almost 2 months. This is gross negligence and is unacceptable when a family 's home is at stake. I have also been given lots of misinformation verbally by my " single '' point of contact, which we've had 3 in less than one year.

I have a pending sale date next week even though I have  been in an appeals process to the latest modification decline ( previously approved for a modification but it was falsely rescinded and now they won't approve again ). The  modification rescission, dated XX/XX/XXXX states we did not make our 3 trial payments, which is untrue and I have proof of all 3 payments. The current modification decline they state is due our net present value being too high, but this is based on errors in their calculations. This is the appeals process I have been currently trying to have resolved. 

Also, the company accepted 3 successful trial payments from us after sending a notice of default, then shortly after we received a foreclosure sale date. There are also unapplied payments and we have not received an escrow analysis. This company appears to have an ongoing history and pattern of violations, and we feel many California civil codes have been violated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation