BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: United PanAm Financial Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went to XXXX XXXX to purchase a XXXX XXXX on XX/XX/XXXX..I was placed in a XXXX XXXX XXXX with a XXXX deposit after the downpayment price on the window stated way less..after that I was told they could not finance me and had sold the vehicle to a carlot in XXXX named XXXX XXXX that would be able to finance me ..during the ride to XXXX I noticed several things wrong with the XXXX..when I brought it to the attention of XXXX the salesman at XXXX he directed me to a XXXX XXXX on his lot with no price or buyers guide on the window..stated he could possible get me financed..asked me for another {$XXXX} and if I could bring in another {$XXXX} the following Friday if he could get me financed and we agreed..it was getting late so XXXX advised me to take the vehicle home and he would notify me once he had an approval..the same day I called and next day I brought the vehicle back to notify XXXX the check engine light was on..the salesman XXXX put the XXXX on a diagnostic machine and told me it was the gas cap..at that point I went to XXXX to get a second opinion and was told a component it the transmission was bad and the heater cord was out..when I went back to notify the dealer I was told my loan had gone through and I had signed everything to purchase the vehicle as is..but they also agreed to fix these issues..when the bank called to verify the loan I also notified them of these issues and that the dealer agreed to fix them..I was told to take it to a shop the dealer used..stalled until the lender paid out the loan to the dealer and then was told that the dealer would only pay for half of the repairs on the transmission and nothing in regards to the heat .At no time did I recieve an actual buyers guide..only a copied front page to sign..not did anyone..the dealer no the lender discuss the terms of my loan with me..the only thing the dealer told me was my payment was {$XXXX} a month .The dealer also took out a loan with another company to pay my taxes and fees on the vehicle and did not notify the lender of this.this dealer misrepresented the condition of the vehicle ..misrepresented the loan process..and is stead fast on saying I purchased the vehicle as is even though those papers where signed based on the dealers intentional deceit. I had a total diagnostic done which states {$4000.00} worth of work..and I stuck in a XXXX loan put down a large down payment and traded a perfectly running vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX, I applied for and obtained a credit card for XXXX XXXX through Comenity Bank with an initial credit line of {$4000.00} bearing a regular purchase interest rate of 24.99 % and promotional purchase rates from 0.00 % - 2.99 % dependent upon the repayment period, from 12 months - 36 months. The account was maintained in good standing and paid according to terms and as a result in XX/XX/XXXX the account 's credit line/limit was increased to {$5200.00}. Further, the account was maintained in good standing through XX/XX/XXXX. In XX/XX/XXXX, I inadvertently missed a payment on the account and was immediately subjected to credit review and a reduced credit line at {$4600.00} imposed. Thereafter, although the account was brought current by XX/XX/XXXX ; Comenity Bank engaged in balance chasing and systematically lowered the account 's credit limit as follows : XX/XX/XXXX - {$3800.00} ; XX/XX/XXXX - {$3600.00} ; XX/XX/XXXX - {$3400.00} ; XX/XX/XXXX - {$3200.00} ; XX/XX/XXXX - {$3100.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; and XX/XX/XXXX - {$2700.00}. But, on or about XX/XX/XXXX, I telephoned the ComenityXXXX XXXX representatives, expressed my objections to the practice of balance chasing and requested my account be closed. Notwithstanding, although the account was closed, bank management or its approved systematic programs reopened the account to lower the credit line from the XX/XX/XXXX credit line of {$2900.00} to the XX/XX/XXXX of {$2700.00}. I recently telephoned the Comenity-XXXX XXXX representatives and inquired upon whose authority did the last change of the credit line/limit of the account closed XX/XX/XXXX occur? The supervisory response was because the account experienced a returned item it was allowable or warranted. The account as of this writing is current with a balance of {$2300.00} comprised of promotional purchases with interest rates of 0.00 % - 2.99 % with extended payment terms. I do not believe management 's most recent action of lowering the credit line after the account closure is warranted nor allowable within current consumer credit rules, regulations or law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a debt collector, the head of the local branch of OneMain Financial. 
I have the record in my phone and can submit copies of their call log, but they are calling every hour of each work day. When I spoke with the person calling, she threated to have my vehicle seized, and began to call me a liar when I tried to tell her I lost my job due to a XXXX. 

She is VERY abusive, and they just wont quit harrassing me. 

They keep calling from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19, Credit Management has responded VERY unprofessionally to my dispute from XX/XX/19. After asking for proof that i owe them or ANY signed agreements that i ever contacted them for a service and agreed to pay them, I received a response that they failed to investigate. Never have i seen a agency respond in a day after being requested to validate the debt they claim i owe them. 
In their response, they ADMITTED to trying to find a signed contract or any form of agreement from me, but COULD NOT! All they supplied are bills they made with my name on it and an address that is not mine! 

I will not stop until this illegal, unverified account is REMOVED from my credit reports. Their horribly unverified little account does not hurt my well established credit report, as I wouldn't have known they were reporting to the bureau 's until i signed up for a credit monitoring service. 

Credit Monitoring : 1. Show me proof that you are licensed to collect a debt in the state of Louisiana. 

2. Show me PROOF that I XXXX XXXX of XXXX, LA. XXXX, ever signed any agreements with Credit Management. ( NOT A BILL THAT ANYONE CAN TYPE UP WITH MY NAME AND AN ADDRESS ) I can type up a bill with their name and address on it and claim that " they owe me ''. Verification of spelling my name correct or any incorrect information they have on file for me is NOT what we're asking for. 

My lawyer and i will be using legal actions to sue if this unverified item is not removed from my credit report. I'd highly advise they do not write such a horrible response again and actually provide real agreements and not a bill with my name on it, above a residence i do not live at.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We placed a freeze on our credit reports with all three credit reporting firms ( Experian, XXXX, and XXXX following the hack in 2018. We now want to temporarily lift the freeze. I recorded all the relevant information, including the provided PINs when we placed the freezes. We encountered no issues with XXXX or XXXX, but have been unable to lift the freeze with Experian, despite multiple attempts both online and via telephone. Each attempt results in a " we are unable to process this request '' and instructions to mail a variety of confidential documents to their offices in Texas. Despite multiple searches, it is impossible to contact the company -- they refuse to provide any electronic or phone contact information. 
Of the three credit reporting services, Experian was the only one that required payment to place the freeze, and they are now making it ridiculously difficult to lift that freeze, which is directly counter to all their advertisements. I am an intelligent, competent, computer-literate consumer. I find it ridiculous that this consumer-hostile, uncommunicative company can hold my personal financial information hostage. I assume this is a scam to convince me to create an account with their company. Such extortion is unnacceptable.

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 2021-11-02
Company: EQUIFAX, INC.
State: CA
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 had a few hard inquiries and a charge off on my XXXX credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage loan with JP Morgan Chase since I first purchased my condominium in XX/XX/XXXX, I had applied and refinanced the original loan in XXXX ; and ended up with a reduced interest rate of 4.5 % on my mortgage loan and 8.2 % on my home equity loan. My neighbors, who are are predominantly XXXX, enjoy much lower interest rates on similar condominium units. I applied to refinance again with Chase in XX/XX/XXXX, and my Mortgage advisor had offered an interest rate of 3.75 %. ( combining both my mortgage loan and home-equity ). In XXXX, i received a denial of my loan application, with the reason given as Excessive obligations in relation to eligible income. This came as a shock as my loan advisor at Chase had informed me I was an excellent candidate. My credit score XXXX at the time, now XXXX ; and I have about {$500000.00} equity on the property! I believe that denying me the loan is either a terrible mistake, or that I have been discriminated against because I am XXXX, and/or because I refused to move my XXXX investments to be managed by Chase. I do not agree with the decision made by Chase and feel I have been treated unfairly! It appears that Chase wants me to continue paying high interest rates on my mortgage. I pay via electronic withdrawal without fail every month, but why can't I get a better deal as a valued and loyal customer?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: ID Analytics, Inc.
State: OH
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JPMorgan Chase just purchased my mortgage on the secondary market. My mortgage payment jumped {$500.00} last month which I assumed was a few month issue due to increased property taxes. When I called to address this with them, they put me through to a specialist her response was that under federal law, they had, to hold two months worth of property tax escrow payments. What I figured out after an hour of research is that under federal law a mortgagee is allowed to require up to two months worth of escrow payments, as a balance in the account, plus {$50.00}. The reality is that when an inquiry comes, Chase is misleading their mortgagors into believing that it is required under federal law to keep two months worth of escrow as a cash balance in their account, with ZERO notice. It took me 30 minutes of cross examining this woman for her to admit this is not mandated by federal law, rather a chase policy that is allowed under federal law. I am a XXXX  so thankfully I have the tools to get to the bottom of it. My concern is that most people dont have the requisite knowledge to get to the bottom of it, and what they end up doing is likely paying a way higher mortgage +escrow payment ( mine increased by 33 % alone ), under the guise that federal law mandates this, rather than being able to opt out. This is at minimum a misleading policy by chase at at most fraudulent and hopefully it gets looked into. I have no problem paying an increased mortgage payment, thankfully. However, I imagine MANY people have been taken advantage of by this policy, and whats really concerning is those that have been taken advantage of who do not have the means to afford it. All the while, their money is sitting in an escrow account, earning zero interest. You can reach me on my cell phone at XXXX XXXX XXXX and I look forward to a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a {$100.00} debit card. I tried to use it before but transaction couldn't go through. I tried to call them to resolve this issue and they just told me, the card expires yesterday and all the {$100.00} inside the card is expired, they couldn't do anything about it, which is very unreasonable.

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 2020-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a Chase Private Client account and expect better customer service than what I am receiving. 

I set up a payee and cut a check to same. The payee is XXXX. XXXX XXXX. The check is made out to XXXX. XXXX XXXX ( See Attached ). Chase changed the payee name without notifying me. Payee will NOT be able to remit check as written. 

Since I can NOT send a Secure Message, I expect Chase to reply to this complaint by standard postal service at my address of record. 

Do NOT attempt to answer this complaint with a Secure Message ( that I can NOT reply to ). Do NOT contact me by Secure Message or email ; mail a letter instead. 

Do NOT attempt to answer this complaint by calling the telephone number listed on my account. Do NOT contact me by telephone ; mail a letter instead. 

I will NOT call the toll-free Chase customer service number and be placed on HOLD for 30 minutes to an hour to receive an answer. I have tried this already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - AUTO FINANCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2018, I received a phone call from XXXX XXXX XXXX, on behalf of University XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and University XXXX 's XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with XXXX, Experian and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!

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 2018-04-18
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Several years ago, as I understood it, XXXX 's transferred their credit card processing to XXXX XXXX and subsequently to XXXX   XXXX XXXX XXXX  for actual charge and payment processing. For this I have had no problem. However, I recently became aware of another account created for my wife which was a XXXX 's Account. We were not aware of this separate account since the only credit cards we have are the XXXX XXXX XXXX XXXX card. For this separate XXXX 's account we are now being charged fees and overdue charges and also receiving bad credit reports to Transunion.

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