BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: OK
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:
Chase Bank online website states that they are able to waive the fee for a new chase slate credit card for a balance transfer IF the original credit card was with chase bank. Yesterday ( XX/XX/2023 ), I went to the Chase Branch at XXXX XXXX in XXXX, Oklahoma so I could complete a balance transfer from one credit card to another in order to pay off some debt that I have accrued. They assured me that this was feasible so I opened up the credit card and attempted the balance transfer. They said it was approved and that I would be able to see the transfer within a few days. Today ( XX/XX/2023 ), I received a phone call from the woman who helped me yesterday stating that Chase bank can not accept balance transfers from an original chase credit card which was completely different from yesterdays conversation and the information that their website states. This is a major issue as it will likely affect my credit report, as I will have to close the new credit card. A reputable bank such as Chase bank should absolutely never market these lies, and have their employees state this, and then a day later after the credit card has been approved state that they are not able to do what they originally intended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Over the past 5 to 7 years, I've tried online to dispute information on my credit report from TransUnion online I have been unsuccessful. They denied me and blocked me. I called several times on for them to be rude to me. The error code is always the same denied access. They said I am blocked from accessing my credit report online and there is nothing they can do about it.

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 2018-10-18
Company: Abrahamsen Ratchford, P.C
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received letter from " law firm '', stating they are collecting for an alleged defunct credit card. I am exempt from letters as such, as I am a XXXX veteran, battling XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: MO
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:
I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses 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 2019-10-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In 2012, while still in the XXXX XXXX and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were XXXX {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXXXXXX XXXX  room was supposed to be charged to their respective XXXX XXXX issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for XXXX {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from soldier XXXX XXXX room. The Unit Sergeant state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

Ohio Department XXXX XXXX XXXX : # XXXX, Ohio Department XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX Bank XXXX XXXX XXXX XXXX, Receivable Management Services : # XXXX, CCI : XXXX 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 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 2020-11-06
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to LVNC and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Complete Credit Solutions, Inc.
State: IN
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:
A collection from Complete Credit Solutions was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. Complete credit solutions stated that they would delete the collection from all 3  credit bureau reports. However, Im showing that this account has not been deleted.

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 2019-09-17
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: Account information incorrect

Complaint:
XXXX  AND EXPERIAN AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.

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 2019-08-21
Company: Experian Information Solutions 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:
XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX University or even XXXX  and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!

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 2020-12-07
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2016-07-21
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is a follow up to the complainXXXX. 
I was informed yesterday that i need to to check the to the XXXX XXXX, XXXX XXXX /customer Services and they will endorse the XXXX check via the branch Endorsement code, and the both claim has been updated with that information which allows them to endorse the checks. 
After 4 hrs driving & waiting and the customer Service rep. ( XXXX XXXX XXXX XXXX ) informed me that they are not able to do this and requested inspection, which has been performed and order and the cost waied, along with other documentation. 
why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I was notified today that 'XXXX  XXXX '' placed a collection on my report. I have been paying this account through XXXX XXXX which is XXXX 's in house collection weekly. And XXXX XXXX who works for XXXX conveyed to me once payment was being made that it would not go to collection. Especially since Maryland is one of the states that is participating in the " Ban collection due to state of Emergency because of COVID-19 ''. I have been SEVERELY affected due to COVID-19. And this is affecting my credit.

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 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Trans Union and XXXX Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-08-18
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a XXXX XXXX XXXX alert. I saw Hunter Warfield fraudulently placed a negative collection account on my credit report. I don't know this company and never had any correspondence from Hunter Warfield or notices.

There are no contractual agreement in place giving Hunter Warfield a right to collect any debt from me or report to the major credit bureaus.

Hunter Warfield is a fraudulent business with currently a XXXX star with XXXX review, XXXX star with XXXX, XXXX star with XXXX, and not even XXXX  accredited. Yet they can intrude on consumers credit report and harass consumers.

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 2019-03-13
Company: CITIBANK, N.A.
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:
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CITICARDS CBNA with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2023-07-04
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
I submitted a previous CFPB complaint regarding a negative credit bureau reporting ( Complaint # XXXX ). The company recently responded denying any wrongdoing in the matter that was presented. While I have received that information, I do not agree with it and have made 3 previous attempts for further investigation into this matter. In addition to the fact that my account was only 29 DPD, and I received a negative 30 day reporting, I spoke to an Ally supervisor on Monday, XX/XX/XXXX which was 3 days before the payment was made to ensure I was receiving correct information. My first call was on Saturday XX/XX/XXXX where a representative was unable to give me clear and accurate information on if I would definitely avoid a XXXX by paying on XX/XX/23. I followed up on the XXXX with another and spoke to a supervisor who assured me that as long as the payment was made before XXXX EST on the XXXX, I would avoid a XXXX. I proceeded to cancel my payment that was scheduled on XXXX, and completed it on the XXXX. I have requested on 3 separate occasions that Ally review the recorded conversation with the supervisor to see that I was clearly given incorrect information. Each time I am told to wait 3-5 days and someone will follow-up but that has yet to happen. On the second attempt of requesting the call to be reviewed, I was told there is no record of a conversation. I have attached a copy of my phone records showing a 25 min call to Ally 's number. At this time I am demanding that Ally locate and review the recorded call from XX/XX/23 where a supervisor advised me of misinformation regarding when I could pay. As a result of that call, I am therefore demanding that the 30 day XXXX be removed from my credit file.

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 2019-11-04
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage purchased placed insurance on the property when my insurance expired. That was not a problem. I was notified to submit approximately {$2500.00} to cover the cost of the policy or PHH would place an escrow on my mortgage. I submitted the required money to reimburse PHH for the policy. They then refused to cancel the escrow account until I obtain a different policy even though I reimbursed the cost of a yearly policy. So I paid the {$2500.00}, and now I am paying an additional {$270.00} per month. I am trapped an trying to buy a policy but not getting cooperation from PHH. 
I have tried multiple times to contact their insurance department to obtain a copy of the policy, but keep getting cut off from the call for various reasons. 
I have tried to resolve this for the past 6 months and am frustrated by the lack of cooperation from PHH, and the multiple conflicting communications I received in the mail from them. I receive notices that the escrow is cancelled, then one saying it is not. Then another notifying me of the date my escrow is cancelled. 
When I call the customer service, its like the first time every time I call and I have to retrace my steps every call, this makes it nearly impossible to move forward. No body I talk to can help me. I am trapped into an escrow account while they continue to hold the money they asked me to send in to end the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hospitalized in XX/XX/2018 twice. Copays came to XXXX. Paid debt off 2 weeks ago directly to hospital. 

Debt Collector CMRE claims amount is still owed - {$190.00}. 

CMRE FINANCIAL SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation