BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: JPMORGAN CHASE & CO.
State: NY
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 rewards from credit card

Complaint:
I booked a vacation with Chase Rewards and have been trying to call Chase Travel Services to cancel that booking for 6 days, with a cumulative 10 hour spent on hold. Chase changed their cancellation policy to allow for cancellations online, but only if they a trip commences in more than 72 hours. That policy was changed 48 hours before my flight. I called Chase card services to find another way to cancel, but they informed me that the only way to cancel would be to speak to Chase Travel Services. The service person and manager I spoke with admitted that it was unlikely I would get through to travel services given the high call volume, so they didn't expect I would get through and be able to cancel. 

Chase 's policies are creating undue pain on consumers, they are underprepared and understaffed, and using an onerous cancellation policy to protect themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
traffic citation on XXXX in XXXX amount : XXXX euros full balance paid on XXXX account status : XXXX balance owed, closed Collection comapany : Cedars Business Services said no payments were made and attempt to collect balance of {$510.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: iFreedom Direct Corporation
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We bought a home and used ifreedom direct and dealt with XXXX XXXX. We used a VA loan and had to put {$500.00} in an escrow account to tear down our shed and we were told by XXXX that they 're company would cover the re-inspection fee after the removal. We closed on the home in XXXX 2015 and just completed the work and got a refund check for {$400.00} and it stated on the check there was a {$100.00} fee for re inspection and I emailed XXXX and she stated her company usually covers that but because we were given credits at closing they were not giving anything else out. I sent an email back asking where in our paperwork that it stated that & even an amount of the re inspection fee, and that infact I had emails from her stating numerous times we would n't have to being more money to closing and XXXX minutes before our closing we were told we had to bring over {$1500.00} and infact XXXX had asked the manager for the title company to tell us not to contact her ( XXXX ) or we would n't close. We were also told our rate would be 3.5 % and at the last day we were informed that it was actually going to be 3.875 % and that 's why we got credits at closing. It has been a nightmare dealing with this company and the things they have pulled especially on a veteran!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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 2016-06-01
Company: BANKUNITED, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced loan without understanding what kind of mortgage it was and the settlement company which rip off me is already out of business, they told me they will reduce my mortgage and convince me to get this loan, at that I was struggling with my mortgage so I refinanced the loan and it was in 2005 and mortgage company was bankunited. I got {$370000.00} loan from the mortgage company and maturity date was XXXX and now I am still with the company and still have loan of {$360000.00} and maturity date is XXXX, I am not understanding why I am paying so much interest for same house and why my principal is not lowered in 11 years, please help me get this answer, I contacted them so many times but I did not get any specific answer, please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is not doing a proper dispute investigation for 2 tax liens that are reporting on my credit report. The information has been verified and deleted from the other 2 credit reporting agency 's which is XXXX. ( they deleted them ). However transunion keeps telling me that the information is correct and has been verified. This is wrong because I did Not have 2 tax liens to begin with. It was only 1 tax lien which was paid in full. I had contacted the XXXX clerks office and it was agreed this information will be deleted from my reports. Transunion still has not deleted them and it is causing a hardship in me obtaining substatial credit as it is affecting my credit score in a negative way.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: CA
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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any consumer or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) INFORMATION regarding inquiriesExcept as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2022-10-13
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, AmeriHome Mortgage sent notice they did not receive a payment from XXXX, XXXX or XXXX. This is false as I have the bank statements proving payment went through. They have not credited the account and are in error. I just want this resolved so I am not put falsely in default by their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter and they call me a lier I would like these hard Inquiries removed from my credit I sent letters and No one did any investigation XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 explanation
Consumer complaint received 2016-04-12
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We held a mortgage with XXXX for many years. My husband XXXX became unemployed in XXXX XXXX. I am on Social Security XXXX. XXXX offered an Unemployment program that allowed deferment of our mortgage payment until XXXX became employed again and they were offering a mortgage modification at the end of the program in XXXX XXXX. The mortgage was transferred to Fay Servicing on XXXX/XXXX/XXXX. 
We filled out Application to modify the mortgage with Fay Servicing on XXXX XXXX, XXXX after speaking with the service representative weekly. Aside from the odd request for additional information I was told that we would be contacted on their decision. 
XXXX became employed again on XXXX XXXX, XXXX and we sent in the requested documentation. 
I got a letter from the debt collection company dated XXXX XXXX, XXXX that told us that we had 30 days to dispute the debt and when called they said we had to call Fay Servicing that they only followed the instructions from them. I talked to the Fay Servicing service rep on XXXX XXXX, XXXX and he told me only then that the original application had been returned as incomplete and that they had new procedures for applications and for us to submit a new application with supporting documentation. There was no reason for not receiving any notification that the application was returned. The new application and all supporting documentation was sent to them on XXXX XXXX, XXXX. 
Today XXXX XXXX, XXXX I received a certified letter from the debt collector that was an Acceleration of the Debt and that the property would be foreclose on XXXX XXXX, XXXX at the courthouse in XXXX, TX. 
We feel that we have done everything that we could in good faith with Fay Servicing and want to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted Self and they confirmed I do not have an account or loan with them. They have requested a police report and FTC 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 2022-10-13
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}

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 2015-10-18
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled my credit report and noticed that Transworld System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report and also I sent a follow up letter for them to validate the debt, they never sent anything and they had the debt removed and then replaced it on my credit report 2 months later without no notice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up a payment with Comenity back for 2 different cards. One payment is processed the other isnt the card where the payment go thru is XXXX. Then I get numerous calls all day long. When I set up a payment for one of the cards, which I did with someone over the phone. They amount was approved with this person, but because its not the minimum due I would again get phone calls all day. I would answer ask if they dont read the comments because a plan was set up. Then another call same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from XXXX and XXXX. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Other

Complaint:
My sister, XXXX XXXX, submitted a fraudulent application in a variation of my late mother 's name. The name used was XXXX XXXX XXXX using my mother 's social security number and my sister 's address of XXXX XXXX XXXX in XXXX, Massachusetts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I checked my credit report today and found a collection item reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.for a small balance medical debt. I called the phone number provided : XXXX and was greeted by a man named XXXX. He asked me for my SSN # to which I obliged. He immediately said " you owe $ XXXX, what is the card you would like to use? '' to which I responded : " is this call recorded '', XXXX answered, " no ''. I asked XXXX what is the debt for and he advised it was for a medical debt ; however, he did not say who the original creditor was. I provided my credit card number to XXXX and he ran the payment and gave me a confirmation #. I asked XXXX if he was a debt collector to which he replied yes, so I asked him why did he not state the original creditor name, to which he replied that he is not required to. I then asked XXXX for his last name and he replied that he does not want to provide his last name. I told him he is required to provide his full name, and he replied that he will not because his office services " local accounts ''. I proceeded to ask XXXX why he failed to read me my miranda rights as required by the FDCPA to which he angrily and loudly responded : " I 'm transferring you to my supervisor '' and he transferred me to a voicemail for a woman. I left a voicemail. 

XXXX violated the FDCPA multiple times during our interaction : 1 ) Section 807 - False or misleading representations. XXXX did not disclose that he was a debt collector collecting a debt. This is false representation and deceptive means to collect a debt. 

2 ) Section 807 - False or misleading representations. XXXX did not disclose that he is a debt collector, and that his communication was an attempt to collect a debt, and that information obtained would be used for that purpose. 

3 ) Section 807 - False or misleading representations. The company is reporting debt to the XXXX major Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) using the business name " Law Office of XXXX XXXX XXXX XXXX '' ; however, the company 's true entity name is " RESOURCE RECOVERY ''. Resource Recovery is not now, and has never been, an attorney or had the capacity to act in a way similar to an attorney. This is False and Misleading representation by definition and unfair collections practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company settled a lawsuit out of court with me and they are refusing to remove the supposed debt from my credit report. It needs to be removed.

Company response to consumer: Closed with explanation