BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been unable to speak directly to person at Caliber Home Loans. When I call they direct me to the website, which informs me that my mortgage number is not valid. My payment has been increased twice, yet they mailed me a refund check. They do not appear to know how to manage my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-13
Company: EQUIFAX, INC.
State: CA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This is my second complaint about this issue. An economic payment card for the amount of {$1200.00} was issued to me by the IRS in the year of XXXX. The card was sent to my old address, I have updated my address with the IRS and U.S.P.S. What I need is for the second round of stimulus to be sent again for the amount of {$1200.00} to my new address. The company did try to send me a new card but they send the third round of stimulus which is not the one I need. They sent me a replacement card for the third stimulus check for the amount of XXXX that is NOT what I need replaced I had no issue with that round. I need round 2 replaced for the amount of {$1200.00}.

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 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been a victim of multiple identity thefts, and have an existing credit freeze and fraud alert on my credit file for all three three bureaus. On XX/XX/23, I received an email from Amex at around XXXX that a new Credit Card was approved under my name. I could not have opened this account as I was asleep. I called Amex fraud department, verified my identity, and the first person I spoke to denied that a new card was opened under my name & no such email was sent. I suggested her to transfer me to identity theft department or applications department. She then corrected herself saying she found the email and transferred me to another department. I spoke with XXXX from applications departments and she asked me to verify my identity again and asked if I opened this card. I told her I would have not been calling if I opened the card. She asked which XXXX XXXX card seemed fraudulent and I answered that I do not have that information as the approval email sent to me just says XXXX XXXX. I asked her how new card was opened under my name if my credit is frozen and I have a fraud alert on my account. She then transferred me to Identity Theft department where I spoke with XXXX. XXXX asked me to verify my identity again, and verified that there were TWO cards under my name that were not authorized by me. I informed him that I have a credit freeze and a fraud alert on my credit, so this should not have been approved in the first place. He opened an investigation into the fraudulent card opened under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Johnson Mark LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX XXXX Account. I paid it off to Johnson Marks XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. 

I called both Johnson Mark and XXXX XXXX. Johnson Mark said that maybe it was not reported too XXXX. I called again and then they said that they don't report to the credit bureaus etc. I also called XXXX credit and they said that they needed information from Johnson Mark. My sending a letter to them was not good enough. I called Johnson Mark again and left a message with a manager. I got no call back. I called XXXX XXXX and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by XXXX XXXX. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to XXXX. Well, they did not verify it because I paid it in full to Johnson Mark Law firm I contacted XXXX XXXX back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase originally closed our credit card merchant processing account for our small business with no explanation in 2019. Since then, Chase has gradually closed every account that we have had with them for our small business. Our business checking, our savings account, our Chase Line of Credit account, Chase INK credit card was the latest one that was closed. All of our accounts were closed with minimal notice and when we ask for an explanation, any associates do not have an answer. I recently applied for a new credit card to have a new option for company expenses and was approved and received cards in the mail. I've had the cards for maybe a month and just received a letter that the account was closed. When I log in online, it still shows the account is open but I am sure it won't be long before it is officially closed. I would just like an answer as to why Chase is refusing to have me as a customer. To my knowledge, I have never done anything against their policies and would consider myself to be a great customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am requesting my American Express card be closed immediately as of XX/XX/XXXX American Express has used unfair business practices to charge me higher interest rates. My interest rate soared from 19 % to nearly 30 % XXXX 29.99 % ). 
The reason American Express used was for a returned payment from XXXX/XX/XX/XXXX. Although this return payment was unauthorized and the fact I had previously made my monthly payment, Note : my payment was NOT late. 
American Express doubles consumers penalty.First they charge a whopping {$XXXX} late fee than they nearly double the interest rate. Despite the fact prior to this I have always made timely payments and never been late. 

Again please close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: JPMORGAN CHASE & CO.
State: FL
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:
Senior citizen victim of social security gift card scam on XX/XX/19 where I had to purchase gift cards and scratch them, photo them and email to scammer at : XXXX. 
I was told by scammer my SS # was used in criminal activity and in order for me to be issued a new number I had to do what they told me. 

Chase Credit card was for {$4000.00} in XXXX XXXX gift cards.. I called the credit card on XX/XX/19 and wrote to them on XX/XX/19 after I received letter from Bank stating the charges would appear on my statement because I had made the purchases. I also wrote letter to president of XXXX XXXX and asked them to give me credit for the scam gift cards. NO REPLY to me to date. 

I now know this is a scam from calling social security office, but at the time it happened to me the number on the phone was from social security so I fell for the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This information and derogatory remarks has already been removed from my XXXX XXXX credit report, yet it still remains on my XXXX and XXXX. I demand that these be removed immediately because this reporting is incorrect. 

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 U.S.C 1681.

Account # XXXX Portfolio Recovery services opened XXXX- {$730.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the Veterans Affairs who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child XXXX XXXX XXXX and I desperately require moving into a larger home.

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 2022-01-13
Company: EQUIFAX, INC.
State: PA
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 tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: CA
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 am Amazon customer. Through my Amazon platform, I was offered a Amazon Prime Credit Line. I am already a Prime Member and thought this was a adjunct or add-on service. Without thinking too much, I believe I agreed to the offering, although I am unsure of even that. I thought it was an offering through my Amazon Prime Account.

Unknown to me at the time, a regular credit card was issued by Chase/JP Morgan. I also later noticed that my Default Payment method was changed to Chase. I purchased a few things and unknown to me, they were charged to the Chase Account. I returned the items and got a communication from Amazon asking to provide me an " immediate '' refund in the form of a gift card and I agreed.

I later noticed a communication in regular US Mail ( not via the internet ) with a credit card statement from Chase. The minimum payment of {$35.00} was more than 30-days late. I immediately contacted Chase and let them know I was not aware of the credit card and I immediately paid off the ENTIRE balance. The person on the phone waived all late charges. 

If this late payment report is not withdrawn, I plan to either file a small claims complaint or demand resolution via an arbitration through JAMS. I worked so hard to have a XXXX credit rating that this issue is so disappointing it almost makes my cry. I plead with Chase to do the right thing. I am not asking for any money. 

I had a credit score at the time of about XXXX. I was concerned and the person at Chase assured me that this late payment would not be reported to the Credit Agencies. I told he person that all communications with Amazon to go through my online account and not via US mail from Chase. 

I was relieved until I got my credit report the next month. My credit score dropped XXXX  points to something like XXXX. I called Chase more than once to complain and even talked to a supervisor. They would not file a report with the credit agencies withdrawing the late payment report. 

I contend Chase breached their promise to correct the reporting. I also contend that the card was fraudulently issue via misleading advertising. I was advertised as an Amazon card. I never activated the card which is usually required with bank cards. I never expected Chase to send any statements, much less statements via US mail.

I have never had a late payment in the last 7 years. I want to buy a house and this will have a huge impact on my financing options. My alleged failure to pay on time is the direct result of Chase 's misleading and fraudulent advertising. 

I would like Chase to correct the misleading late payment report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: MARINER FINANCE, LLC
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Mariner Finance have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

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 2019-09-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have multiple complaints against this company. Hunter Warfield, I received calls daily from many different phone numbers after repeatedly asking them to stop harassing me. I have been threatened and cursed and hung up on. They are now charging me monthly interest on a debt which does not by contract allow, the amount being collected on is incorrect as well. This is in reference to a lease agreement, property which was infested with rodents and pests, windows and doors which were not able to be secured, 90 plus days with no air conditioning, holes in the ceiling, all in violation of the lease agreement and safety and of my health. I submitted all documents to them in proof. I do NOT owe the amount, they also sent me a settlement offer with a deadline which also is in violation of the fdcpa. I have called the property management and they no longer own the property and take no responsibility for the uninhabitable conditions.

Hunter Warfield is violating all of my rights

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I request that you provide proof of the charge-off status for these accounts. In the absence of such evidence, I insist on the immediate removal of these accounts from my credit report. Despite my attempts to clarify the validity of these debts with XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), they have failed to provide any documentation confirming the legitimacy of the reported charges. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.

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 2023-08-30
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
I have XXXX Citi cards with the Thankyou rewards were merged together. After I closed my account, 1 ) I was not noticed the points will expired 2 ) I confirmed with the agent, with merged account, the points will not expire. 
Now I lost {$4000.00} value of points without notice.

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