BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit score decreased by 67 points. I reviewed my credit reports with Experian and XXXX  ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX USDOEXXXX Account # XXXX DPT EDXXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
DEAR CFPB, I HAVE FILED SEVERAL COMPLAINTS DIRECTLY WITH CHASE, AND THEY REFUSE TO DO ANYTHING. I HAVE A CHARGE ON MY CC, AND NO SERVICES NOR PRODUCTS WERE RECEIVED. THEY ARE REFUSING TO HELP ME WITH THIS MATTER, I EVEN HAVE A WITNESS WHO WAS AT THE SAME EVENT, THEY EVEN TIRED TO CHARGE MY CARD AFTER I BLOCKED IT AFTER THE INITIAL CHARGE. THE COMPANY DOING THE CHARGE IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Alliance Credit Services, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My HOA, XXXX XXXX in XXXX XXXX Florida changed the management company they use in the past 6 months. I only received notifications that they were no longer using XXXX, I did not receive a notification of whom our new management company was, therefore, I was not made aware of who to pay our XXXX dues to. I received a letter from XXXX collections company yesterday stating I owe the past due HOA fees of {$240.00} plus a {$150.00} collections fee. The collections fee is more than 59 % of what I owe the HOA. The contact information for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank did not issue me " Chase XXXX '' and I did not have any " Welcome to Chase Mobile! " Log On and Enroll '' In addition, I did not get a new debit/checking account from Chase Bank, so I did not hear from anyone brings me check and did not pick up me bringing to XXXX XXXX XXXX or any place. I must be most upset for a long-waited for new banking account for debit/checking and I must disappointed with unable received a cash reward credit card. I did not happy with previous details that I had explained before complaint filed against Chase Bank for their refusal serves me with Chase Bank, so they still neglected against me with deaf and other reasons due to my protection privacy requests. Totaled Unresolved Problem with these above, did not hear from them. I am not happy with XXXX XXXX XXXX continually at requests to be printed record with CFPB at request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: RMS-Recovery Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Name is XXXX XXXX. My father ( XXXX XXXX ) is helping me with this letter. Beginning in mid XXXX I developed XXXX. Both XXXX XXXX  XXXX, and XXXX  XXXX which prevented me from returning to XXXX XXXX University in Arizona. I am working with my doctor to find a medication that will allow me a normal life. But upon leaving XXXX they sent me a {$550.00} bill with no breakdown of what the fee was for. 

I sent them the following correspondence. 

RE ; XXXX XX/XX/XXXX To Whom It May Concern : I dispute the validity of this debt. XXXX XXXX University ( XXXX ) automatically enrolled me without explaining the significance, or expense of not returning to XXXX. 
Please send me my written contract making me liable for this specific charge, ************************ They send me my initial enrollment package with no explanation of the details of this bill. 

XXXX assigned it to RMS Collection. RMS was given a 3rd party authorization to speak to my parents. They refused. They refused to send me a breakdown of the charges. 

I did not want to have this {$550.00} collections hit my credit report and there was nothing I could do.. I had to pay it. But I still do not know what it was for. 

The balance was paid. 

But I would like specific details why I am being billed {$550.00}, and a specific complaint against XXXX XXXX ( Employee of RMS -  Recovery Management Services )

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 2021-08-24
Company: Experian Information Solutions 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:
I have been trying to get these fraudulent accounts off my credit for some time now. In XXXX I sent in a mail document to get these fraudelent account off but i still havent heard back. Its been well over 60 days now. I called the credit bureaus to figure out whats going on and they told me that there was an error on my FTC report that i needed to date the account. This doesnt make any sense to me at all. Also, I have a few unauthorized credit inquires on my credit profile. I did not authorized noone to check my credit report. I have never done business with this company. I have attached the updated FTC report along with my Drivers license

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened an account in about XXXX with XXXX with a balance of {$500.00}. I wanted to close this account because the interest rate was extremely high, so I called to let them know to close it. Here it is XXXX, I received a summons for court claiming I owe {$830.00}. I am already overwhelming with bills everywhere. This has been such a hassle. XXXX has sold this debt to Midland credit company. This company is only willing to settle for {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Platinum Holdings Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
They have called me numerous times and have said they are trying to serve me, but the local civil court has no knowledge of me being served. I Demanded a debt validation letter by US mail. They give me an attitude and threaten to call everyone I know after I told them to stop calling anyone but me. I have no remembrance of the debt and I 've asked for them to take it to civil court and id be happy to go and resolve. They continue getting angry and wont let me speak and just continue saying they will call anyone they want. 

There have been many complaint about this company XXXX XXXX XXXX reference # XXXX Here are complaints by other consumers. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Went to XXXX and took out a student loan. I just found out they took out XXXX loans on me. How do I fix this. It is not fair for me to try to pay XXXX loans when I only took out XXXX. I 've called the school and Nelnet but no one wants to help me. I called a lawyer and he sent me to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a 48 month auto loan with Westlake Financial Services payment of {$370.00} which is due on the XXXX of each month at the end of my 48 month term with a balance of {$900.00} which was due on XXXX/XXXX/15 on XXXX/XXXX/15 I only paid XXXX of the balance because of the high balance that all I had. And I told them that when the call kept coming every day XXXX a day or more after the XXXX of XXXX. They said the call will continue every day unless I hold it with a credit or debit card and told them every day that I will make the final payment when I receive my XXXX check on XXXX/XXXX/15. The call continue and I answers everyone and answer every question concerning my address it same thing everyday from the home phone to the ceil phone which I ask them to remove over a year ago because the ceil verbal and in writing. These past 21 days been a nightmare

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
NELNET - Using false dates to gain money- to say that I did n't re-apply for an income based repayment ( I have proof that I submitted 3 times all nearly a month prior ) Also using Gross Income ( not AGI ) to form their IBR repayments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Their investigation did not fix an error on your report

Complaint:
The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is XXXX an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: JPMORGAN CHASE & CO.
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I fell behind XXXX car payments with Chase Auto Finance on my 2011 XXXX XXXX due to temporary hardship. I was forced to authorize automatic payments from my checking account in order to show my efforts. 

As a scheduled payment was attempted, I realized that my bank rejected the request due to non-sufficient funds to cover the full payment of {$320.00} ( approximate ). I immediately contacted Chase to stop ALL checks from going to my bank and set up weekly payments until I 'm current on my loan. 

The agent advised that NO OTHER PAYMENTS would be requested understanding that the most recent request was being rejected. She advised my account would be noted regarding WEEKLY payments to bring my account current. 

During the work week, Chase called me and left a voicemail. As I was unable to take time from working, I did not receive the message. On Friday, the XXXX, the repossession company collected my vehicle approximately XXXX. 

I was caught off guard due to the arrangements set up with Chase the week prior, which I maid the first week 's {$100.00} payment and the following week would bring the account only 30 days behind. There was not an email sent ( my preferred contact method ) about my loan being at the point of potential repossession. 

Though I have asked for my communications to be reviewed to correct the errors, Chase insists that it is a valid repossession and the full amount, nearly {$14000.00}, will be needed in order to reinstate my loan and reclaim my vehicle. 

I 've offered to catch up all my payments ( {$300.00} x XXXX payments ) within one month 's time to bring my account back in good standing as my financial status has improved. However, without a vehicle, my efforts are hindered. 

Every day my payments get further behind, my credit score worsens, plus I now owe the repo company storage fees unless I alow the vehicle to stay beyond 10 days, leaving redemption into repossession status. 

No one at Chase is working with me to get me back on track from a bump in the road followed by an employees lack of training on my account status and possible effects. 

Please help protect me and my daughter from being without reliable transportation to her school and my work. 

My car payment history is not perfect, but I 've always had the ability to pay on them. Due to a divorce and unforeseen economy, my payments became an issue, but never neglected. I would always communicate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
not applying payments and confiscating allegedly the cash and then demanding o f me to pay the payments in again in violation of uscfpb consumer regulations. and I am a XXXX veteran and these monies come from my VA us treasury XXXX pension. I am being defrauded by chase allegedly town my home. they denied me twice loan hamp modifications and the current loan is a loan modification I never applied for and has never been settled and I have no loan documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$430.00}

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 explanation
Consumer complaint received 2015-04-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The last payment I 've sent out to pay my mortgage with Chase was " not received ''. I have an ongoing dispute with Chase over the way they are processing my payments. It seems to be taking longer and longer, sometimes over XXXX days for my payment to arrive, or at least according to their claims, which resulted in late fees that I am currently refusing to pay and disputing. I have good reason to believe that they have intentionally " lost '' my last payment as a form of retaliation for attempting to dispute their late fees. I will also be switching over their pay by phone system, which should be harder to falsify than mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
I have Opened an account at Chase -- Three months ago. 
I got a Credit card with Chase -- Freedom Unlimited Visa. 
Recently during the HOLIDAYS XX/XX/XXXX I made a purchase ( around {$600.00} best buy ) with the card as I got a very nice deal on few items. The transaction went thorugh without any issues and was cancelled after three days as the transaction was declined by Chase. Chase Freedon Unlimited says that it went to Fraud and they placed a hold on it. I did not receive any call from Chase regarding the decline. 
I called the Chase Visa office directly and they said they can not do anything about it. 
I am really disappointed with the service. 
These are the reasons for my disappointment 1. I did not get call that my creadit card was declined from Chase. 
2. My shipping address is same as my Chase Credit card/ Bank Address . 
3. I have a really bad experience with Chase as nothing was done to keep me as a customer 4. Who will cover my loss as the deals are no longer available in any store.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Other

Complaint:
I recently and very proudly paid off my credit card balance on XXXX XXXX XXXX {$25000.00} with money I received from a retirement settlement ( XXXX installment ). I double checked with a Chase Rep before making my pay-off to ensure there were no hidden fees, charges, etc. I was quoted the same amount as was showing on my Chase app balance. I know to do this after working at XXXX. My payment was not due until XXXX XXXX. I made my payment online and received my confirmation e-mail. I went in to check the app on the following day and the balance read zero. What a relief! From here on out, I intended to only use the card for small purchases and pay off immediately. On XXXX XXXX which I figured would not be processed until after my payment, I made a small charge and another on the XXXX. I paid them both off on the XXXX. The app balance again read zero. We are renovating our home a bit with some of the money so instead of carrying cash to get home improvement supplies, I made a small charge on the XXXX which I thought might have interest and then waited until the XXXX to make the other. On XXXX XXXX, I checked my app for the balance on the XXXX charges due to not being able to find my receipts. To my surprise, on the XXXX, {$120.00} in interest was charged! The total of both of my charges was {$600.00} and I planned to pay them yesterday. I asked Chase where this interest came from. They said it was on the balance I paid off between XXXX XXXX and XXXX XXXX when I paid off the balance. I told them that their staff quoted me the pay-off with interest and all pending charges. They refuse to budge or remove the charge. I told them I would pay the {$600.00} or even interest on the {$90.00} charge from the XXXX, but I refuse to pay interest that they have decided to add after quoting me a pay-off. This is a problem with their staff and a very predatory way to treat customers. I have informed them that I will be reporting them. I have filed with the OCC. My response today was as follows : Thank you for taking the time to contact us in regards to the interest charged. your inquiry has reached the highest level. Your account was a revolving balance which is charged interest daily. Therefore you were charged interest on the average daily balance carried from XXXX/XXXX/16 until paid in full on XXXX/XXXX/16. As this interest charge is valid, we are unable to credit it. As long as you pay your previous statement balance in full by the due date, no further interest will be charged. I apologize for the frustration caused. 
Sincerely, XXXX Best Quality Customer Care Senior Financial Service Specialist Phone : XXXX Ext XXXX Mon thru Fri XXXX XXXX to XXXX XXXX Fax : XXXX The XXXX for would never ask a customer to pay for an employee error. It is not my fault that they did not include this amount. I asked for a pay-off that included everything and paid it all. My money is hard earned, and they are a big bank trying to squeeze every dime that they can out of consumers.

Company response to consumer: Closed with monetary relief