BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: Chime Financial Inc
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX XXXX XXXX  my account was charged XXXX USD. 

I did not make this charge so I promptly called my XXXX technology company ( Chime XXXX XXXX ). 

They told me that I could either ( a ) contact the merchant or ( b ) wait for it to clear and file a dispute. At this time they were unable to provide information on the merchant and because I did not authorize the charge I did not know who the merchant was so i waited for it to clear. 

On the the XXXX the charge cleared and I reported as fraud orally ( on the phone, and filed a claim ). 

The claim was promptly denied on the XXXX. They did not tell me why and said that i could file an appeal ( rebuttal ) with supporting documentation. 

I did not have any info such as receipts because I did not make the charge. I requested the documents that they used in the denial as well as filing a cyber claims report with the FBI and sending the report to them. I was unable to file a local police report, because the local department required a current month statement and chime could not provide that to me. 

Chime did issue me a provincial credit on the XXXX after I had submitted the rebuttal. 

On the XXXX they sent me the documents they had used to deny the claim. 
These documents did not include some of the information required by regulation XXXX XXXX Including the type of transaction, name of financial institution that initiated the charge and the location of the terminal that the transaction was made at. 

The denial reason was that because I had used my card that day I was in possession of my card and no one else could of had access to my card information. 

They also made a false statement they stated I said a different card was used, When I had clearly stated that Someone else had made a transaction using my card information. These statements are not the same as the statement they use implies someone else had a different card and it charged my account and my statement implies that someone had access to my card information and used that information without my permission. 

I asked for clarification on the information not included in the report that is required by regulation E, They sent me the same exact documents that still did not include the information I requested. Such as the location of transaction, type of terminal used/ transaction ( Ie : atm, online POS, retail pos ) and the name of the financial institution that initiated the charge. 

This information is important for the claim for both parties as If the transaction was made online the person who mad the charge would not have needed my pin to make the charge and if it was done at a physical location i would be able to contact said location to verify who made the charge. Without this information how can one say that i made the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
IN XXXX MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY. OUR MORTGAGE WAS BEHIND AT THAT TIME.WE INCLUDED OUR ARREARS HOWEVER WE PAID THE NOTE OUT OF POCKET. THE BALANCE IN XXXX WAS APPROX. $ XXXX AND IN XXXX WE APPLIED FOR OUR FIRST LOAN MOD FOR WHICH WE WERE APPROVED. WE FILLED OUT THE PAPERWORK AND SENT IT BACK TO OCWEN LOAN SERVICING LLC . IN XXXX WE ARE NOW DIVORCED AND I PERSONALLY APPLIED FOR ANOTHER LOAN MOD BASED SOLELY ON MY INCOME ONLY. IT WAS GRANTED HOWEVER IN VIEWING THE PAPERWORK I 'VE NOTICED THE PAYOFF BALANCE IS OVER {$43000.00} HIGHER THAN IN XXXX. WHEN I INQUIRED ABOUT IT XX/XX/XXXX WITH OCWEN SERVICING I 'VE BEEN GIVING NO CLEAR EXPLAINATION. ONLY THAT IT WAS AN ESCROW ADVANCE AND INTERESTS. I CA N'T MATHEMATICALLY COMPREHEND THE ASTRONOMICAL NUMBERS I 'M GIVEN, ESPECIALLY WITHOUT PROOF.IT APPEARS THEY ADD YOUR DEBT TO THE REAR AND ADD WHATEVER THEY CHOOSE ON YOUR LOAN AMOUNT. AGAIN IVE MISSED A FEW PAYMENTS IN THE PAST THREE YEARS BUT INCREASING MY MORTGAGE BY $ XXXX IS CRIMINAL IN THREE YEARS. MY NEW BALANCE IS NEAR {$150000.00} NOW. BUT NOW THEY SAY {$96000.00} IS " DISHARGE OF DEBT '' BROKEN DOWN OVER 3YEARS IN THIRDS FOR WHICH I MUST PAY INCOME TAX FOR AND OCWEN STILL SAYS I OWE THAT TO THEM TOO. DISGUSTED, READY TO WALK AWAY.THEY WILL CHANGE WHAT THEY TELL YOU IN THE SAME CONVERSATION. ANY HELP YOU CAN OFFER WOULD BE APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: I.C. System, 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 personal information was provided to companies for unlawful marketing.

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 2022-04-17
Company: Experian Information Solutions Inc.
State: MI
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:
A student loan was fraudulently taken out in my name ( spelled incorrectly ) ( with wrong address ) For XXXX XXXX XXXX. I have been trying to have the fraudulent information removed from my credit reports. The loan ( though XXXX was proven to be fraudulent was removed from my reports ) Now XXXX XXXX XXXX has forwarded the account to a credit agency, I have repeatedly explained this is a fraudulent account, since XXXX  it is still on the reports.

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 2016-09-15
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Made each monthly payment ; however did not get credit for six payments in XX/XX/XXXX and none in XX/XX/XXXX when I was sending in cashier checks by certified mail ... ... treat foreclosure from Ocwen ... 
Had an attorney that did not help only insisted on modification ... .now we are out major money, credit destroyed ... .Help needed what are the options?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a XXXX percent interest is still shown. The expiration date for another XXXX interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: GA
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 follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX. Account # XXXX XXXX XXXX service. Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX of XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # XXXX 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 an 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 2022-04-17
Company: EQUIFAX, INC.
State: GA
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 follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX of XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
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:
Citibank issued a new card to another person using my name but a different address and email. The person ran up over {$10000.00} in balance transfers and loans to another account which is not mine,. Citibank than actually took money out of my checking account to make one of the loan payments. That's how I found out about the charges on the card, I contacted Citibank about the fraud. They then gave the money back in my checking account but never took the fraudulent charges off my credit card, which since has ruined my credit. I have had numerous calls with their fraud dept., they say they are working on it, promise to call back but never do. Its been since XXXX and still they show on my card that I own them over {$10000.00} The customer service just ignores that the account is under investigation and keeps sending payment warnings, as our credit rating keeps dropping

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 monetary relief
Consumer complaint received 2015-07-29
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a Ar. Child Support ENF on my credit report that i would like to dispute, because i do not or have not ever had to pay child support in my life time. They contact number on my report is XXXX can you please help me get this information off my record please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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: Personal information incorrect

Complaint:
On my XXXX credit report there are 4 other names and 19 other addresses and I'm afraid that someone could have used those names and addresses to still my informations. I demand that XXXX remove all those other names and addresses on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
cros ref XXXX this is what the cr bur saying XXXX {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage on my home that has been sold three times. Most recently to a financial institution named MR COOPER. The terms in my mortgage has no escrow accounts attached to include payment of taxes and insurance. 

Mr Cooper has engaged in unfair and deceptive acts by reasons for paying the taxes when no amount was due. Mr Cooper reported to me that my mortgage payment has increased almost {$500.00} to cover an escrow account they opened without my consent or doing I have spent days on the phone dealing with this Aweful financial institution in stopping this. The funds they paid to pay the taxes were returned by the taxing authority.

I believe this act could potentially destroy my outstanding credit score when I refuse to pay the escrow amount they attempt to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: TX
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:
Complaint : ( XXXX XXXX ) account # XXXX has violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX ) account # XXXXto communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. Experian, XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX XXXX ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.

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 2015-04-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently received our escrow analysis from Green Tree Mortgage and were informed that effective next month, our mortgage payment will be increasing by {$300.00} per month. They claim that there was " glitch '' in their system last year, such that while they paid our insurance premium, the amount had not been escrowed. As such, they are now raising our rate to compensate for this glitch to make up for a significant shortage. We were told that nothing could be done to rectify this, that it 's " simple math '', and to simply be thankful that they are spreading the shortage out instead of collecting it within 30 days. Even if we paid the $ 2500+ shortage out of pocket today, our monthly payment would still raise over $ 250/month to accommodate their " glitch ''. Needless to say, we are extremely disappointed & frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
*THIS IS NOT A DUPLICATE* I believe that my mortgage account is being serviced as an adjustable rate mortgage instead of a fixed rate mortgage. My amortization schedule is a " Step Rate Loan Amortization '' which is a type of adjustable loan. My billing statements are inconsistent as to what is stated to pay and what is actually paid. The company acknowledges adjustments taking place in the account. The company sends documents and letters that do not accurately represent my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Innovis
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: TX
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:
Bankruptcy was removed 2021 after Disputing the information Was later added back to my report stopping me from purchasing my family a 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 2016-07-29
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. THis was brought to my attention when a received a copy of my gredit report and noticed that XXXX home loans were completed and issued under my name and social security number. Chase is XXXX of the banks that are currently still holding this account under XXXX name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander is reporting as if the loan is open and new this account has been closed since XX/XX/XXXX. The is falsified reporting on my credit that 's against the law. It report balance of XXXX as of XXXX/XXXX/XXXX. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Out of necessity I used Money Gram money transfer service to send money international, I pay the fee service required to send money with the promise that will only take 5-15 minutes to be available for the recipient to claimed. It has been more than 10 days and my money does not reflect as being deposit. For the last two weeks I have contact MoneyGram to find out the status of my transfer, which every time I have contact I have been informed that my money is ready and available to be claim, when my recipient tries to claim the money it does not appear available. I have asked MoneyGram for a clear answer, however MoneyGram has not been able to provide me with a clear response as to where my money is or what happened. I requested for my money to be reimburse immediately, I was informed today that it will take 10 days in order for me to get my money back, which is something that does not reflect in their policy. I am a hard working individual, and if used the system is out of necessity, I do not want others to go to the same struggle I am going through. It is not acceptable for MoneyGram to lied about their service, it has cause many troubles with this issue.

Company response to consumer: Closed with explanation