BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I'd contacted Chase Credit Card services to dispute a charge with a vendor. They began an investigation. I then noticed later that there was a credit on my account for the charge from the vendor. I was told when I called Chase BACK that the credit was NOT from the vendor but from CHASE pending their investigation. I then proceeded to deal with the vendor accordingly, filing complaints with Consumer Affairs and the XXXX XXXX XXXX I also had posted reviews of the company on line, all of this based on the information I'd received from Chase. The vendor continued to insist that THEY had given me a credit on XX/XX/XXXX and that it must be " in process. '' I contacted Chase AGAIN on XX/XX/XXXX and was told AGAIN that the vendor had NOT given me a credit and that the vendor was misinforming me. I then proceeded accordingly based on the information Chase had given me. I called Chase again on XX/XX/XXXX and was told at that time that the vendor HAD processed the credit on XXXX and that there WAS no credit from Chase at that time. I had been misinformed by at least 2 people at Chase customer service. They are now refusing to acknowledge their mistakes. I spoke to XXXX from their Executive offices yesterday and he claims there WAS no phone call on XXXX. I have proof in my phone records but they refuse to look at my proof. I just want a letter acknowledging their mistakes in case the vendor decides to pursue action against me. I don't think this is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen, the " debt collector/mortgage servicer '', is taking money in escrow for flood insurance but refusing to pay the flood insurance on my property. Additionally, they refused to close my escrow account saying that my flood insurance is n't paid, yet I have faxed to them twice my current/paid flood policy declaration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a diamond engagement ring and wedding band at Zales and was told to open up a account for 18 months, no interest financing, sounded like a good promotion. I was not told about the terms of the financing, just that it is interest free for 18 months. I was making all my payments on time each month and every months as I do with all my bills and I have excellent credit, XXXX XXXX XXXX. I fully intended to pay off the balance before the end of the 18 months. On XX/XX/2022 I receive a bill in the mail with a balance of {$1300.00} and a interest charge of {$1400.00}, I call the bank that day and ask, why is there a {$1400.00} interest charge on my account?! Was told I past the promotional date of 18 months deferred interest, in which I did not know that my promotion was nearing the end, no mention of it on thr billing statement on the first page, they said it was on the third page?! I didnt look at the third page as my balance is on the first page. I told them I will and I did pay the balance of my statement for goods I had purchased in the amount of {$1300.00} off on XX/XX/2022. They said they will not reverse the fees nor or they obligated too. I said I am paying off the balance today as I did not know the promotion had ended and my interest charges were more than my remaining balance, that is not a cool or ethical business practice for consumers. I spoke with XXXX managers and they were not willing to help me. I am filing a report against this company for unethical business practices and I would like for them to do the right thing. I recently have had a baby, gone through XXXX and have a hardship with my self employment business, their advertising for the credit card no interest is very misleading and was not explained to me and they pushed me to sign up for their store credit. And then to get a {$1400.00} interest charge when I did not see clearly on the first page, was told that the promotion ending date was on the third page, not clearly explained, not clearly told about charges for deferred interest, this isnt a good business practice, and should be illegal if it isnt. If it is legal it is very misleading and puts a huge burden on many consumers if they are late a day on monthly payments or missed promotional ending date that is clearly not marked or easily visible to the consumer. I am a honest person, making a honest living, but not willing to reverse a interest charge in the amount of {$1400.00} when I have been a on time customer is wrong. 

Comenity Capital Bank Do the right thing, and assist your customer in the well being of your business and to the consumer, do not put hardships on honest people. 

XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX my wife broke her ankle and has had several surgeries and has since become XXXX due to nerve damage which has caused XXXX and with that she has many medical appointments in which needs my assistance at home to tend to her daily cares. I had to quit my career as a electrician to be at home to help her with the daily activities and many doctors appointments for ongoing treatment of XXXX and for this there is no cure so it is extremely difficult to know how she will be able to tolerate the excruciating pain. I have usually had good credit in the past and due to my wife 's circumstances I have no choice but to let my credit be less of a priority and focus on my wife and this is someone that I have been married to for over 25 years. I am in hopes of your understanding of my situation and if I could of continued to make my credit a priority I certainly would have. I am sorry for telling my whole story here but this is what happened and I hope someday you may see how XXXX affects somebody 's way of life. I have one notice that I received for this so called debt that is said to be my responsibility and that was XX/XX/XXXX to appear in conciliation court XX/XX/XXXX, other than this I have not been sent any letter from the. Thank You for taking your time to read my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
It started as a romance email scam. The perpetrator XXXX XXXX contacted me on XXXX online app. He promised me marriage and a family. He resides in XXXX, Maryland XXXX. His phone numbers are XXXX and XXXX. Has a XXXX  XXXX  business XXXX XXXX XXXX XXXX XXXX with XXXX XXXX co-owner. XXXX supposedly traveled to XXXX, XXXX for work in XX/XX/2019. His trip was extended supposedly, and he requested {$2000.00} usd money to be wired to his manager Wells Fargo account # XXXX. I used my XXXX XXXX XXXX account for this. 
He promised to repay upon arrival to the US. A few months have gone by therefore, Im reporting it now with all the information gathered.

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 2022-03-28
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-04-08
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I applied for a mortgage loan from XXXX XXXX at Caliber Home Loans. We were also working with a Mortgage Broker representing various other lenders in an effort to secure the most favorable rate. Throughout the process with Caliber Home Loans, XXXX XXXX, never once mentioned to us that her rate would include a charge for points. Throughout all phone conversations with her and in all of email exchanges back and forth, she never revealed to us that her interest rate of XXXX included a fee for points. On XX/XX/XXXX, we advised XXXX that our closing date was changed to XX/XX/XXXX, and we asked her to provide us with her firm rate quote as it was our intention to lock in the rate prior to our closing. She responded to our request exactly as follows : Hi there! Good news on moving the closing so we could lock. The market is bonkers and rates are really creeping hard. I locked you ahead of another bad pricing change so we are at 3.650 % right now and can get to the XX/XX/11 closing date. 

As you can see from her response above, she said nothing about points being charged. My husband responded to her at that time and advised her that we had an offer from another lender for 3.62 % with 0 points and asked if she could match that rate which was slightly lower and she responded by saying that they did not have that rate option but reminded us that she would not be charging us for an appraisal. Even though we advised that the other lender was not charging any points, she still did not disclose to us that her interest rate was based on points, which ultimately cost us an additional {$5900.00}. 

We did not realize that we were being charged points until we showed up for our closing and the closing agent pointed out the points being charged. XXXX did send us a rate disclosure document, electronically for signature, and on page XXXX, in fine print, the document showed the charge of {$5900.00}. From our perspective, she was deceptive and unethical by failing to disclose the points to us, but rather hiding them on page XXXX when she later sent forms over to us for electronic signature. If the terms of a business transaction are clear upfront, consumers are able to understand their options and effectively comparison shop. We had an expectation that Caliber Home Loans would compete fairly and ethically, but that is not how I would describe our interaction with this company. We will provide documentation of our claim. 
Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2014 a merchant has charged my credit card ending in XXXX, the amount of XXXX, after authorizing, then on XXXX, XXXX 2014 he charged again the amount of XXXX, " which was unauthorized '' this is beside the fact we never received the merchandise in full ( the tracking numbers the merchant sporting documents are showing is only part of the shipment ) also we never got a correct invoice from the vendor, ( all the invoices he sports is mocked invoices, without my permission or signature, ( in fact you can verify the date of the invoice is XXXX/XXXX/14, while the credit card charge was XXXX days before on XXXX/XXXX/14, how come he charge before I got the invoice ) After contacting American express during the last 11 months starting with the first dispute on XXXX XXXX dispute # XXXX, following with other XXXX disputes with the following dispute numbers XXXX, XXXX, XXXX, XXXX, XXXX and finely with # XXXX, a total of XXXX times, I got a response that the merchant has replied to our inquiry and has denied our request for credit, they have provided a detailed letter, " itemized invoices '' and the " proof of delivery of both shipments '', we have attached the supporting documentation " WHICH WAS PROVIDED BY THE MERCHANT '' for your review, In fact I never authorized those invoices ever, this was mocked invoices, without even my signature on it, the tracking numbers are not for the full shipment in fact he charged me a total of XXXX, my dispute is only for {$6100.00}, which is the amount of merchandise I did n't received ever, and the main point is, " I NEVER EVER AUTHORIZED THIS XXXX CHARGE '' To make it in short words to the point there is XXXX Main facts. 
1- I never authorized this XXXX XXXX I never authorized this invoices I never signed it3- I never got the merchandise in full ( the tracking numbers are not for the full amount of merchandise )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last year, Barclays bank agreed to waive ann ual fees on my Black Card, Gold Card and Jet Blue c ard for the duration of my presence in the military. A few weeks ago, they 've sent out a letter revoking this agreement and have started charging me annual fees. I do n't believe this is fair or just.

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 2015-06-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continually receive calls attempting to collect a debt from my husband 's ex-wife. I have repeatedly told them that they are contacting the wrong person, and they still call. I am unsure how my number got associated with her because I have had this number for twelve years, and I 've only been married for four.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CCS Financial Services, Inc.
State: CA
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 received a mail notification from credit collection services on XX/XX/XXXX to collect a debt from XXXX XXXX XXXX XXXX ( a company I have never used ). The fraudulent insurance policy ran from XXXX at XXXX. 
Policy was for 3 vehicles ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) registered at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 
Collection agency was notified about fraudulent claims and police report will be filed. Person of interest possibly linked to this fraudulent claim is XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX is erroneously reporting I have an account open and only provided negative information painting my payment history in a negative light which has directly caused me to be declined by XXXX XXXX for a loan consolidation in XX/XX/2017 on an account for which Ive timely paid for 5 years and over $ 100K.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: Experian Information Solutions Inc.
State: AZ
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:
we need as consumer production from agent like Experian to be product because they report the wrong scour!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion had removed this account then when I asked XXXX  to update their info as Transunion has it all of a sudden appeared back on my Transunion report, I've asked for months for a copy of the signed contract from XXXX and still Transunion has not complied only saying its been verified. I am a victim of identity theft and I have sent in the affidavit. I would like to resolve this inaccuracy

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 2016-10-14
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I consolidated a portion of a federal loan to a private loan for a better rate in XXXX. The company I consolidated this loan to was XXXX ( XXXX XXXX Bank ). My loan was then transferred to a management company called MOHELA XXXX of XXXX. There were many issues with XXXX and a number of errors that occurred during the transfer to MOHELA. Two things have not been corrected. One - the transfer from XXXX to MOHELA now shows my original balance with XXXX to be double the amount I actually owed ( owed approximately {$100000.00} ; now shows {$200000.00} ) and they have not corrected this with multiple requests and even their acknowledgment by phone that it was incorrectly doubled. They have not given me a print out of the payment history of the XXXX account from the original consolidation in XXXX to the transfer to Mohela in XXXX - these records were wiped clean with the transfer. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Letter received from HRRG Collections. I called to inquire about the debt and they collected last XXXX digits of SSN and asked for my date of birth, which I would not provide and hung up. Attempted to send inquiry via XXXX and web inquiry failed. I searched online to identify the original debt and there is no authentic result. I have no record of an appointment on the date of service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Verisk Analytics Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation