BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit 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:
On XX/XX/2023 I booked a trip with XXXX XXXX XXXX and the agency I booked with CHANGED MY FIRST NAME on the reservation. I notified the agency within 24 hours of their mistake. I tried for 2 weeks to work the issue out with the agency even sending them a photo pf my passport o no avail. I even called the airline and spoke with a supervisor that said my name could easily be corrected without a fee but it had to be done by the travel agency since they are the ones that booked my flight with the airline XXXX ). 

I went to my credit card issuer-Chase to dispute the charge as a last resort. Chase advised and assisted me with the process- including the reason for dispute as " Not received services '' then later found the charge " valid '' as the trip was made available to me. Please note that once I initiated the dispute the travel agency cancelled my trip! According to XXXX 's refunds can not be made if the trip was cancelled. I did NOT cancel the trip. I was begging the company to correct my name on the reservation. 

Chase decided against me in the dispute due to the reason of the dispute. Chase assisted me with selecting the reason! I have redisputed the charge twice now and call chase dispute team every couple of weeks begging for help. Chase will no longer assist me and advised me to go directly to the XXXX XXXX. I have tried contacting XXXX directly but they refer me back to my card issuer-Chase. 

At this point I am dizzy from being bounced around and can not fathom how it is reasonable for me to pay XXXX USD for a trip I absolutey can not travel with a fabricated name that does not match my legal name as shown on my passport

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: Developers Mortgage Co.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Step 1 : What is the complaint about? This complaint is about a mortgage company that systematically delayed getting our mortgage approved in order to get more money out of me and my wife.

Step 2 : What type of problem are you having ( had )? A crooked mortgage company that was trying to fleece us for {$50000.00} in closing costs on a {$300000.00} home.

Step 3 : What happened? In XX/XX/2020, we hired the following company to assist us with a FHA loan : XXXX XXXX, Loan Originator, Developer 's Mortgage XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, TX XXXX, XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. This company intentionally delayed the approval of our mortgage in hopes of getting more money out of us at closing. Here 's what happened. I am a veteran, who when I first contacted this company wanted a VA loan, however, it was discovered that I could not do VA on this particular house so in XXXX we opted for a FHA loan. Now, prior to this the mortgage company was saying that to qualify with the lender better, it would behoove us to sell our we lived in, and that would reflect one less debt. After 8 weeks of delay after delay and being out of over {$12000.00} in hotel bills because they drug their feet on the approval, we fired them, hired another company that got it done is 3.5 weeks. When this company presented us with docs prior to closing the wanted {$30000.00} and they were the underwriter was asking for some of the same docs we had given them over and over again. We walked away from them, found another mortgage company who only wanted {$17000.00} at closing and was able to close us in 4 weeks. That {$30000.00} they wanted was 76 % higher than what the mortgage company we went with wanted.

When we saw such a huge difference in closing costs between the two companies and started thinking about how they had one delay in approving us after another, we began to wonder if they were trying to fleece us for additional money or if they were violating some kind of mortgage laws that we are unaware of. That is why we are contacting you because if they did it to us they have probably done it before, and I have the docs to prove it. And the way they delayed us was by asking for the same information over and over again. It was ridiculous! I've never seen anything like it and this is my 3rd home owning. Unbelievable!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On date of medical procedure XX/XX/2022 I informed staff I could not afford the procedure, they informed me I can go on with the procedure and be put on a payment plan, which I did and made regular payments. Once on the play I called and even inquired about how long I could make payments for and was told it would not go into collections. I made regular payment and once I had a surplus of savings ( less than 9 months after receiving a large bill ) I paid off the full remaining balance -- -then I received notification that it was sent to debt collectors : 1 ) I was told I could go on a payment plan, this should have never been sent to collections since I was making payments in good faith 2 ) If I was not meeting minimum timeline or payment amount I should have been contacted before it was sent into collection to see if I could meet their minimum 3 ) Sending a willing patient payer into collections is just plain mean and unnecessary especially when told my account would not go into collections 4 ) The debt was paid and should be removed from nay trace of being sent to collections, considering contacting an attorney to see how this can be rectified without having it effect my good credit standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Affirm Holdings, Inc
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX  XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

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 2023-10-13
Company: EQUIFAX, INC.
State: WY
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:
I have noticed that there have been a number of inquiries on my credit account, including one from XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX where I do not live and have never lived, indicating I am the probable victim of identity theft through the use of my social security number. I have tried to log into Equifax through the website. When I attempt to create an account, it indicates that I already have an account with Equifax, when I do not. I would like to log in and place a security freeze, but I can not get in touch with anyone at Equifax. I would like to be able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: High pressure sales tactics or recruiting

Complaint:
I attended XXXX XXXX XXXX ( XXXX, MI ) XXXX. In that time I was convinced to take out high interest unsubsidized loans to pay for my education through Sallie Mae. Since then XXXX XXXX XXXX has closed. Navient has canceled the loans of some borrowers that attended XXXX. I was not one of those borrowers. 

My loans serviced by Navient : XXXXXXXX XXXX XXXX Disbursement Date : XX/XX/XXXX Original Principal : {$11000.00} Interest Rate : XXXX XXXX ( variable ) Total Accrued Interest : {$21000.00} Repayment Start Date : XX/XX/XXXX End Date : XX/XX/XXXX ( PAID IN FULL ) XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$6000.00} Interest Rate : XXXX XXXX ( variable ) Current Balance : {$10000.00} Total Accrued Interest : {$30000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$3600.00} Interest Rate : XXXX XXXX  ( variable ) Current Balance : {$5800.00} Total Accrued Interest : {$17000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment The Navient website does not show the total amount I have paid since the loans were disburse or when Navient became the owner/servicer of the loans. I can estimate that I have paid the original principal of these loans multiple times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase bank charges interest on interest. Every other credit card I have ever had, if you pay off your total balance by the payment date your balance remains XXXX until you charge something else. When you pay off the balance due on Chase, they send you a bill the next month for interest. You pay that off and the next month you get a bill for interest on interest. This will continue if you do not pay the new interest charges the day they hit. I dont think this is legal. This is the second time this has happened to me with Chase. I have closed the account and will never bank with them again. They are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I'm struggling to get Mohela to process a simple customer service request. I am trying to switch my student loan repayment plan from an XXXX plan to the standard XXXX plan. I first called Mohela to request this change on XX/XX/2023 and was told it would take XXXX business days. When the change was not reflecting on my account a month later, I placed a second call ( on XX/XX/2023 ) to follow up. The representative that I spoke to expressed that it shouldn't have taken so long to make that change and assured me that it would be processed by the following Tuesday ( XX/XX/2023 ) at the latest. When the change was still not reflected on my account by that date, I called a third time and was told, again, that it would be XXXX business days. Once again, I waited the XXXX business and, when the change still had not been made, called a fourth time ( on XX/XX/2023 ). The representative I spoke to that time told me that it actually takes 60 days, not XXXX ( as I had been told by each of the XXXX prior representatives I had spoken to ), which was why it had not yet been processed. I asked to speak to a supervisor, but was disconnected while holding ( I had already waited over an hour on hold to speak to the first representative ). To date, my request still has not been processed. I am submitting this complaint because I am concerned Mohela is kicking the can down XXXX XXXX on this request. I had a similar issue in the past getting Mohela to process a very basic customer service request ( correcting obvious errors in my PSLF count ) and was only able to get help from Mohela after filing a CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
A few days ago, I tried applying for an Amex card. I was denied because one of my loans was in mitigation or deferral. This was due to a COVID deferral. I believe this is unlawfully discriminatory under ECOA on the basis of my having exercised a right under the Consumer Credit Protection Act and under the Unruh Act on the basis of my medical condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.Lexis Nexis also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to : 15 U.S.C. 1681 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions 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:
There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX Amt {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX, I - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : 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 explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
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:
There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX/XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief