BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/XXXX CHASE AUTO  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chase Auto Loan Account Number : XXXX Balance : {$7800.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE AUTO I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX, XXXX Without Prejudice XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: COLLECTION SERVICES OF ATHENS, INC.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They will not provide me proper documentation to of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Over a year ago we started the process of building a custom home. After we closed and had already paid our down payment, purchased the land and cost to build, we were shocked to find out our first interest only payment was so high. We immedietly contacted the lender. They informed us there disclosures were misleading. Eventually after a face to face meeting, we decided to wait until our home was done being built to file a formal complaint. Washington Federal did mislead us. Not once did they ever properly disclose the proper terms and costs of the loan during the closing process. The paper work we were disclosed and signed is clear. 

{$750.00} is the max payment for year one ( first 12 payments ). This is clear on page one ( 1 ) of the disclosure we signed. For years 2-31, page one ( 1 ) does reference the Adjustable Payment table on page four ( 4 ) for an updated payment. See next paragraph. 

The Adjustable Payment table on page four ( 4 ) of the disclosure is also quite clear. At month 13 we start paying both interest and principle and the max payment not including escrow will be {$1900.00}. 

So, XXXX is correct. During the first 12 months ( year one ) we will be in interest only payments with a maximum of {$750.00} per payment. 

There is no {$1500.00} payment ever for the length of this loan. Not in year one ( 1 ), not in years 2-31. 

XXXX, please call me if you have any details that are different than our closing disclosure we signed. 


We were forced to pay terms we never agreed to. We were never given a chance to even consider if we could handle up to XXXX a month payment while we build.

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 2019-10-24
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX FFCC-CLVLAND XXXX FFCC-CLVLAND XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious FFCC-CLVLAND 17845839 FFCC-CLVLAND 17268268 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Nelnet, 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:
Nelnet Loan Services has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX conspired with Experian to downgrade my credit score to XXXX to cover up discriminating nature of rejected application. 

The Experian report listed negative non-measurable, non-numerical, non-defined verbal parameters that must be reflected in the credit score : " Too many inquiries last 12 months Time since most recent account opening is too short Amount owed on revolving accounts is too high Length of time revolving accounts have been established ''. 
See attached XXXX XXXX has my credit score as XXXX. 
See attached document XXXXXXXX. 
XXXX have my score as XXXX. See attached document XXXX 

That was happened twice when I applied for XXXX XXXX XXXX  credit card while my credit score was well above XXXX. See attached documents XXXX and 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 2023-08-03
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Aargon collection agen is asking me to pay a debt I have no idea what it is and Ive never purchased or associated with them. Its hurting my credit and I just want it fixed

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 2023-02-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Used to rented invitation home in XXXX FL for 4 years from XXXX to XXXX with no any payment issues. Unfortunately have to exit before contract expires due to help relative in XXXX. Notified property manager about this unexpected event and got ok from them. After a few months surprisingly and shockingly I discovered collection on my credit report for {$11000.00} from invitation homes. Don't receive any note or letter from invitation homes at all about their intentions to send us for some reason to collection. What kind a practice is that. Need help on this case, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: DISCOVER BANK
State: DE
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:
This is the third my complaint and Discover does not resolve the issue which leaves me no other solution but to close this card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my loan last Monday. WHERE THE XXXX IS MY TITLE??!! No one is helping me - Ive called way too many times to get this addressed. I need my car title to sell my car. IT IS RIDICULOUS THAT IT TAKES ALMOST A MONTH TO GET MY TITLE. I reported this company to XXXX  and the FTC. I want my title overnighted ASAP or I will escalate to whatever government agencies I have to along with the press. 

You are predators preying on people in times of need. SHAME ON YOU!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
LVNV Funding has been attempting to collect a debt that was settled in 2018. They have tried to collect on this account through the use of incessant calls, threats of a judgement etc., and refuse to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, 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:
I have previously disputed this item with Equifax. I have also sent a copy of this letter from the creditor showing that they should be removed from my credit bureau. Equifax is the only one that has not complied with the request on the letter. I demand that this be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contact Edfinancial Services after learning about Biden 's Student Relief Act taking place. I wanted to take full advantage of the program so I requested a refund on all amounts I paid on my student loans to Edfinancial. I called the company in XXXX and they confirmed that I would get a refund of {$3100.00}, but it would take 150 days and it will be deposited via ACH. I was then told that once I get the refund, it will reflect on my account and I could apply for debt relief. As more information about the debt relief act came out, I started to learn that the 150-day mark is not sufficient for the timeframe of when I can apply for the relief. It goes MONTHS after. 

I have contacted Edfinancial Services again and have not heard back. I keep calling until I get someone to handle my case appropriately. This timeline is not okay to give refunds when they know the application is done this month!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out FINANCIALLY, EMOTIONALLY, MENTALLY AND physically continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: NV
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 need to dispute the accuracy of the below seven XXXX XXXX XXXX accounts. The Equifax credit report states that the  Date Major Delinquency First Reported was XX/XX/XXXX. This is incorrect. I paid off the account in full on XX/XX/XXXX. In addition, the Current Status needs to be updated to Paid. 

I contacted XXXX XXXX XXXX  and they said that Equifax is not reporting the information sent to them and Equifax needs to fix it. Please resolve this as soon as possible. 

Below are my student loan account numbers with XXXX XXXX XXXX : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX I have attached the XXXX XXXX XXXX letter showing the status should be PAID. The Date Major Delinquency also needs to be corrected to XX/XX/XXXX. 

Equifax confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never took out a loan with the Department of Education in XXXX of 2015. I was XXXX at the time so this is virtually impossible.

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 2019-01-03
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: Public record information inaccurate

Complaint:
XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX  and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I  contacted they TOO stated in writing that they did NOT communicate with XXXX  or Equifax about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: USCB Corporation
State: MD
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 received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019

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 2019-10-31
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am eligible for the Public Service Loan Forgiveness program but Fedloan Servicing customer representatives erroneously told me to consolidate my student loans in either XXXX or XXXX, thereby wiping out all the years of payments I have made before this consolidation occurred. According to the law Congress passed in XXXX, if a XXXX  has worked in a low income schools for 10 years and has made 120 loan payments, they are eligible for student loan forgiveness. Fedloan Servicing has an exclusive contract with the federal Department of Education and to date has rejected 99 % of PSLF applicants including myself. They sent me a notification yesterday that so far, I have only made 73 qualifying payments and have 47 more to go, making me eligible for loan forgiveness in XXXX. I have been paying this loan off for almost 20 years since the year XXXX. I have been a XXXX XXXX XXXX XXXX  serving XXXX XXXX XXXX XXXX for 17 year. I know I qualify for this program. Fedloan Servicing has given countless people like myself wrong information and routinely rejects applicants from loan forgiveness when they in fact qualify. The first round of applicants were eligible for loan forgiveness in XXXX. Less than 1 % of people who applied have had their student loan debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to reach out to this company through mail on multiple occasions to try and rectify the situation over the last 6 months and I have yet to receive an response. I feel this account is affecting my credit and hindering me from being able to obtain a loan to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an Amex Hilton Aspire card in XX/XX/2020 and paid my federal taxes ( like I and countless others do every year with a rewards earning credit card ) in XXXX. I met the minimum spend within the 3 month timeframe to earn the XXXX Hilton bonus points. 

After noticing it was taking longer than usual for my bonus points to post, I contacted Amex via chat on XX/XX/XXXX. The agent said to not worry because I met the minimum spend and to wait 8-12 weeks. I was told this again when I inquired later on XX/XX/XXXX. 

I contacted Amex again on XX/XX/XXXX via chat and was told my tax payment did not count towards the minimum spend and the time to meet the requirement had passed. 

In summary, Amex told me I met spend back when I contacted them in XXXX, then later told me I didnt when I contacted them at the end of XXXX. Also, they did not acknowledge that it was their fault that I didnt make spend. 

1. Their terms and conditions do not say paying taxes doesnt count towards minimum spend. And a simple XXXX search will show others have paid taxes and received the bonus. 

2. If the agent would have told me during our XX/XX/XXXX chat that minimum spend was not met, then I would have found a way to meet the requirement by the deadline. Instead, the agent told me I had met the spend. 

I have argued this with them to no avail since XXXX. Amex does not hold itself accountable for stealing what belongs to me.

Company response to consumer: Closed with non-monetary relief