BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
In XX/XX/XXXX last year there were some hurricanes that affected several states including ours. We were contact by CHASE offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to CHASE. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/XXXX ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period CHASE wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 2020

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 2020-01-27
Company: COAST PROFESSIONAL INC
State: MI
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 been receiving letters from a collection agency called Coast professional, Inc. They have also started garnishing my income bi-weekly. I mailed them my first letter XX/XX/XXXX, requesting that they validate my account and send me the original documents of indebtedness, and in exchange I will pay the account in full. They responded by saying that the account has been validated but they failed to send me the ordinal documents as requested. I mailed my second letter XX/XX/XXXX and my third letter XX/XX/XXXX. I have yet to receive the original documents as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: CA
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:
I have been joked and toy with by Citi They refuse to fix what they did wrong They just want to confuse me and focus the issue on XXXX ftom last year They accused me of Laing They failed to apply the {$1000.00} payment And they think I am XXXX  and they do everything not to own their mistake Why would I suddenly make a {$1000.00} payment???????? 

Yesterday guy called me He was rude discriminatory So I told the executive office his not allow to call me of send me of email me I called the executive office and I was told XXXX is the person working on my case and she will call me they laid Now executive office lai to me she is no where to be found She never called I got this ridiculous email

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 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After recently signing up for " XXXX XXXX '' to try and improve my credit score ; I noticed an unfamiliar debt ; that had entered into collections. Note ; at first I assumed it was an old debt of mine, as I did have a capital one card, back in XXXX ( closed by XXXX ). 

The collection agency sent me " validation of debt '' paperwork including an account statement ; the statement did not refer to my full legal name, and was using an address I had not lived at in over 5 years. 

I recently was rejected by a bank for a loan, and she said this collection was the sole reason ; and I needed to deal with it. 

I have tried several things to get them to REMOVE THIS INVALID DEBT ; thus far to NO avail. 

I did not authorize, receive, utilize or have knowledge of this account. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: SC
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:
To make a long story short, I thought someone stole my identity so i placed a fraud/freeze alert on my experian. I then receive the freeze letter in the mail and also another letter saying that ive been removed from .... i forgot what it was officially called, basically credit cards/loan company 's cant pull my report for the next five years. Here are the problems. First off, lets say i want to unfreeze my credit report a few months from now ( im not saying i do, im just using that as an example! ) could i even apply to a credit card for the next five years? The 5 year thing confused me a bit. Is it just for when the credit freeze is in place? Could i have some extra details about that because tbh it seems a lot like i placed a freeze to help prevent my credit from being screwed over and then experian themselves XXXX me over. The main reason why im reaching out is because experian has been sending me emails ( marketing emails, i think ) about credit cards that im matched to, that im qualifed for. its more than just a one time thing as well. I've received at least a dozen from experian since placing the freeze. Im not sure what experian thinks but to me thats extremely concerning, Why is that happening when experian themselves said it wouldnt happen? Is someone else applying for those cards? Does someone else have access to my experian account? ( the online account or even the experian account itself, like the one you look at! ) Theres alot of different ways that i can look at this but all i know for a fact are these 3 things. 1 : Even under the best circumstances, it just being someone at experian doing some type of typo or something like that, thats still really bad because they still arent suppossed to be doing that. Whats the point of the credit freeze if it apparently doesnt freeze? I guess experian doesnt care about identity theft. Come on, you cant blame me for thinking that way when it seems to be that way! 2 : Experian better get to the bottom of this and BE HONEST while doing it because if i find out experian screwed something up and then lied about it as well, I swear on my grave experian will be 100 % liable for any damages that might arise from that. 3 : If there is anything that screwed me over because of experians mistake, That will be an extremely bad day for experian in court. Please dont misunderstand me here, I dont want to take experian to court, im simply being honest, If experian XXXX  something up, then can you really blame me for thinking that way? Whats going on!!?

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 2018-09-21
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Where I live is a very small town where everyone know everyone 's business. I am fraudulently being charged money for child support. And my privacy is very compromised. I was making payments on this loan faithfully. The loan was close to being paid off. I would pay months in advance to assure payments and then some. The fist loan was for the amount of XXXX, then the second loan was for XXXX. They combined the remainder from the first loan and the second loan with another monthly bill amount. I continued to make payments the same. Until I got into a legal situation that refrained me from making payments. I contacted them about the situation. Then I filed my taxes as soon as I filed my taxes. The taxes were taken for child support. Fraudulent child support keep in mind. But since I am having problems with settling that matter. I felt some sense of relief knowing that some of the child support payments were being reduced. Well right after that. I received a notice on the door from the loan company sending me to court suing me for over 3000 dollars. As if I had never made any payments to them at all. I feel that I do not owe them that much money. And as I researched the company. I saw that several other people had several complaints similar. I feel very harassed from this company because it seemed ironic that they would do something like that to me. Right after attempting to make a payment towards the child support. I felt it to be insult to injury. Especially the fact that I consistently made payments to them. How so they could charge me so much more than what the loan actually was along with collecting so many payments from me. I feel as if I was scammed and being manipulated to make payments that I do not owe. The name of this loan company is XXXX XXXX in XXXX Louisiana. At first they were acting accordingly then all of the sudden they became greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: JPMORGAN CHASE & CO.
State: OH
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:
I recently went through a divorce and ran up the balance due to all the cost of divorce. I ended up selling my vehicle to pay this credit card.The balance was up to {$20000.00}. I paid this statement balance in full on XX/XX/2018. My due date isn't until XX/XX/18 or the XXXX of every month. I did not charge anything else on the card so it would be a XXXX balance statement. When I got the statement it had only one charge which was an interest charge of {$180.00}. I looked over the terms and conditions which state if you pay your balance in full by the due date you will not be charged interest. I contacted chase through their secure messaging center on XX/XX/2018 and requested them to waive the fee as this was a unfair deceptive or abusive act and to please waive the interest charge. They said no its a legit charge. I reached out Chase on XXXX on XX/XX/2018 and asked the same and they just don't care. Nowhere in their statement does it say anything about residual interest or that you have to pay multiple statements off in a row. This is deceptive and I've never had this issue with any credit card. If you pay the statement balance in full by the due date then you dont get charged interest. I'm wondering how many people have had this happen to them and they just keep doing this and taking advantage of people because they are so big? Terrible customer service terrible bait and switch. Just lying to the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive reached out to Sa-vit collection agency multiple times beginning XX/XX/2021 in regards to this unverified or invalidated debt that they have been reporting on my consumer report and it has been well over 45 days and still I havent seen any response since Ive sent out the second follow up letter given them 15 more days to delete the item since theyre ignorance of my letters proves theyre admission of guilt And still nothing at all so I called the number enclosed in my original complaint and I was informed by the agent that this company has said I am not the one sending my letters and said a 3rd party credit repair service is and I find that extremely unprofessional and out right insulting that this company not is only reporting false, misleading, and inaccurate information to my consumer report but they also dont think Im capable or literate enough to learn and utilize my rights as a consumer and on top of that its causing me stress having this being reported because its slowing up my process of building my credit to obtain the things I need to move forward in my life. So I want this item removed immediately since I have sent out proper disputes in my own writing and still havent received a response and even further they have reported to the bureaus that I can not be located when the address I have sent my disputes from has been verified as my home address by all 3 bureaus so that is a lie, I am adding in my original complaint below to give a better understanding to whoever may read this complaint. 

sent out a debt validation request under the FDCPA, 15 U.S. Code 1692g ( sec.809 ) to SA-VIT Collection Agency on XX/XX/2021 and they have failed to respond to my request after given 30 days to remedy the situation in regards to the Account # XXXX After receiving confirmation via email that the request for validation was received on XX/XX/2021 I waited the remainder of the intitial 30 days given and now I have sent out a follow up notifying the agency that since they are still reporting this negative account on my credit report they are now in violation of the FDCPA and now subject to fines of {$1000.00} which I may collect from filing a claim in small claims court, and I intend to follow through with the suit if I do not hear back from them or see this account removed within 15 days. I also informed them that reporting invalidated information to major credit bureaus may constitute defamation of character, and I want this item removed immediately as it is preventing me from enjoying the benefits of good credit.

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 2018-09-21
Company: Experian Information Solutions Inc.
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 SENT LETTERS TO ALL THREE CREDIT BUREAUS, STATING THAT MY IDENTITY WAS STOLEN AND I NEED THEM TO VERIFY THESE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. XXXX  AND XXXX HAVE REMOVED THE ACCOUNTS THAT I DISPUTED BECAUSE THEY COULD SHOW VALIDATION. AFTER WRITING 3 LETTERS TO EXPERIAN ABOUT THESE ACCOUNTS, THEY STILL HAVE NOT SENT ME ANY PROOF THAT THESE ARE MY ACCOUNTS AND INQUIRIES. AFTER THIS COMPLAINT, I PLAN ON WRITING ONE MORE LETTER. IF THEY DON'T REMOVE THESE ITEMS I PLAN ON TAKING LEGAL ACTIONS.

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 2018-09-21
Company: EQUIFAX, INC.
State: VA
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 obtained my free credit report on XX/XX/2018. It was at this time that I noticed a Bankruptcy that was attached to my credit file. On XX/XX/2018, I sent a certified letter to Equifax. The letter was dated XX/XX/2018. In the letter, I stated that I did not know the source of the bankruptcy and therefore, this was a violation. ( Letter attached ). I called and spoke with a representative concerning the inaccurate, negative mark on my report. The representative stated the information related to a bankruptcy was verified accurate by the United States Bankruptcy Court. Soon after, I received the Equifax investigation results. Equifax stated that the bankruptcy was verified through a third party, XXXX XXXX. I submitted a letter to the United States Bankruptcy Court. In the letter I asked how the credit bureaus or any third party agency verfiies a bankruptcy for a debtor? The bankruptcy court responded in a letter dated XX/XX/2018. The letter stated that the " Court have no jurisdiction over credit reporting, nor do they provide information to the credit agencies or verify the accuracy of such records.. '' I also initiated an investigation with XXXX XXXX. I finally received an answer from XXXX XXXX on XX/XX/2018. Their results indicated that XXXX was unable to verify the accuracy of bankruptcy within the timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX XXXX report. 

I submitted all of this information on XX/XX/2018. It was not removed, nor did I receive a response. I called Equifax on Monday, XX/XX/2018 to once again dispute the bankruptcy that still remains on my credit file. The representative told me he would attach the documents previously sent on the new dispute. The next day my credit score drops XXXX points and Equifax is listing a new bankruptcy! I called and spoke with " XXXX '' yesterday, XX/XX/2018 and was told my documents were " out of date '' and that I would need to resubmit everything I had already sent to PROVE my case. Equifax wants me to waste more money and time to fix their error. I will not! As a consumer I have done everything I needed to do. I have provided more than enough adequate support. 

This is absurd! I have been trying to resolve this issue for nine months and I keep getting the run around. I have completed my research, documentation, spent money and time. The representatives are reading off of scripts and no one truly provides the consumer with what is suppose to be FAIR! I know my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen has been sending foreclosures and adding deceptive fees and not accepting payment and then putting me on a foreclosure notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Genesis Lending
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I filed for Loan Forgiveness in connection to the Debt Relief for XXXX XXXX Students and I am filing this compliant against Genesis Lending in connection to that filing and in connection to the CFPB Complaint Case No. XXXX. 

I attended XXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. During my tenure at the school, I was required to " apply '' for new loans each quarter semester and several times, the financial counselors informed me that I was not eligible, in full or in partial, for Federal Assistance and that I would be required to take out a Genesis Loan to cover the costs. In the CFPB Complaint Case, it is noted that XXXX, rather than reduce tuition to eliminate the shortfall " funding gap '', I was preyed upon to take out Genesis loans that XXXX XXXX had a financial interest in. 

In my application for Loan Forgiveness, a copy of which is being provided, I was not provided adequate career services or opportunities. The job that I obtained to complete my externship was unpaid and resulted me being hired as a XXXX XXXX, not a XXXX, for which the degree I obtained. The salary for this position was less than what I was earning at my prior office job before the economical crisis. The salary for this position was not sufficient to cover living costs and to pay my school loans. I was able to pay my Genesis Loan ( s ) in full post graduation but at times, I have not been able to pay my Federal Loans and have had to put my loans on forbearance. 

It is my position that XXXX XXXX deceived me and unfairly induced me, as student, to incur additional and significant debt in the thousands ( of dollars ), via obtaining loans from Genesis Lending, to graduate from a institute that could not prepare or provide me the adequate tools to obtain and secure a job that would support myself and my family, and to pay my student debt.

Company response to consumer: Closed with explanation