BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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  a XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681s section 604 A Section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ant purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
For the last 10 years, I have had my home equity line of credit with JPMorgan Chase Bank ( " JPM '' ), My original line of credit was {$100000.00}. After the credit crisis in XXXX, JPM terminated my line of credit to simply my outstanding balance with no additional credit. XX/XX/XXXX, XXXX tripled the amount of my payment on my home equity line of credit from approximately {$200.00} to {$510.00}. I requested that JPM refinance my payment to decrease the payment amount to the original amount of {$200.00}. JPM refused and told me to file for hardship with a government agency. I am now stuck with making an exorbitant payment of {$510.00}. In order to make sure that I never missed a payment, I set up auto debit first from my JPM Checking Account and then from my XXXX XXXX Checking Account. All of the payments have been made automatically without a problem. XX/XX/XXXX, I received multiple notices in the mail from JPM threatening legal action because they stated I was not making my home equity payments. I immediately called JPM to inquire why I was receiving their notice. I spoke to about XXXX dozen JPM reps in their " escalation department ''. They said that my account was not set up to make automatic payments. I told these reps that was a lie. My account had been set up for automatic payments for years first from JPM account and then from my XXXX XXXX account. I went online and checked and somehow JPM had disabled my automatic payments for my home equity line of credit WITHOUT ANY NOTICE TO ME. The JPM reps were pretty nasty and told me that I was late and they reported me to the credit bureaus to damage my credit rating! I was stunned. I could not believe that an account that I had for over 10 years was WITHOUT EVER MAKING A LATE PAYMENT was now fraudulently misrepresented that I did not have automatic debit set up and materially misrepresented to the credit agencies to damage my credit. I called JPM again and spoke to a rep by the name of XXXX XXXX ( XXXX extension XXXX ) and he told that JPM would NOT reverse the fraudulent representation made by JPM to the credit agencies. I simply hung up. Over the last few years, JPM has arbitrarily shut down my line of credit ( solely due to the XX/XX/XXXX credit crisis ), tripled my payment and shut down my auto payment and falsely reported me as delinquent to the credit agencies. JPM 'S abusive credit practices must be stopped!! JPM must be compelled to remove the negative credit agency information from my credit report immediately. It was XXXX 's own incompetence that caused the payment not to be deducted from my checking account.. I had the accounts properly set up for YEARS!! XX/XX/XXXX or XX/XX/XXXX, these incompetent fraudsters disabled by autodebit and then decided to malign me to the credit agencies. JPM is a disgrace!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: ALLY FINANCIAL INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 XXXX XXXX  sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/2022 ALLY sent a letter stating they can not issue credit for my request of FINANCING FOR SERVICES AND/OR PRODUCTS. I never applied for this. 
XXXX XXXX XXXX RETAIL CREDIT was unable to approve my application. I never applied for this either. 
XXXX informed online they sent me to collections. I was frauded on XXXX, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.

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 2017-01-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
On XXXX/XXXX/2015 my now ex wife modified a home loan ( 1st and 2nd ) through Chase Bank. She succeeded in obtaining a HAMP modification on our loans which extended the life of the loan which I did not approve. We were not divorced at the time however, we were legally separated. And would not become divorced for another full year. In the loan documentation, it specifically states " that all persons who signed the Loan documents or their authorized representatives have signed this agreement unless the borrower and co borrower are divorced AND the property has been transferred to one spouse in the divorce degree '' While I did quick deed the home to my now ex wife, we were still married at the time this modification took place. My signature was not obtained from the bank nor did I consent to using my credit report or any other means to modify this loan. 
I have tried to resolve the issue with Chase with no luck. Since I am still on the loan even after the divorce, I have invested interest in the home. I feel that this modification was obtained illegally as stated in the loan documents and would like it reversed to the original loan terms I did agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TN
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, Experian, XXXX and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current Experian report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX manager in the XXXX XXXX department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX  and no one will listen or fix the problem.

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 2016-03-14
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 2017-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
I called the Department of Education in early   XXXX   XXXX   explaining that I wanted to settle my debt. I received the letter in on   XXXX   XXXX   XXXX   and called the next day,   XXXX   XXXX   XXXX  . My balance was {$1600.00}. My woman on the phone explained that if I settled for the amount of {$980.00} my debt would be considered paid in full and there would be no negative reporting on my credit reports.  XXXX  weeks later I noticed on the Experian website that the Department of Education had placed  XXXX  Failed To Pay remarks on my report dated   XXXX   XXXX   and my  credit score  dropped  XXXX  points. I called and asked for an explanation. They said I had paid late in  XXXX  so the reporting was correct. I explained that the late payment was made in  XXXX  so should be reported as late in  XXXX . I also explained that I paid the debt in   XXXX   XXXX   XXXX   and received no notification that the account would be " charged off '' and was told explicitly that there would be no negative reporting. I was under the impression that I was supposed to receive correspondence 30 days prior to the reporting, and I received the letter as stated on   XXXX   XXXX   XXXX   I have called repeatedly to get these remarks corrected and every time they said they would send me documentation to dispute the information and have receive nothing in 9 months. I have disputed the information with the credit bureaus but they keep telling me I need to dispute if with the Department Of Education.

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 2015-06-24
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
LCI did not complete investigation of my Bankruptcy that was sent to them in XX/XX/2022. In fact, on XX/XX/XXXX they requested 60 more days to investigate ( which I do not give permission ). under Federal law it is my right to have investigations completed within 30 days or have the tradeline deleted if this is not completed. as of today, the public record Bankruptcy is still showing on my credit file.

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 2022-05-20
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I purchased my XXXX XXXX XXXX XXXX ( Loan # XXXX ) from Car Max XXXX in Oregon ( car was bought under the business with myself as co borrower ). I decided to use Car Max Finance because I liked the ease of being able to use all of the online features to manage and pay my loan. Since that time I have never once been able to log into my online account. I am only able to pay my bill over the phone with a live representative ( unable to use the automated system ) or go into a local Car Max to pay. This is inconvenient, unethical, and not what I signed up for. I signed up for a modern car loan in the year XXXX with online management options. Despite my attempts ( XXXX total ) to address this issue with Car Max Finance directly with their representatives and through their surveys, even getting so far as management and the " business office, '' absolutely nothing has been resolved. On their end the data to sign into the account is wrong. I have all of the correct data ; to include, loan number, social security, and date of birth. I even obtained the incorrect date of birth for my business they entered into the original loan documents. Car Max Finance has been negligent in addressing this issue which should have been handled immediately at my first report of the issue. I have done my due diligence to resolve this issue and pay my bills on time despite their complete lack of regard for me as a customer. I need access to my online loan account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: SYNCHRONY FINANCIAL
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 have a loan with SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
capital one this has happened before capital one is rebilling me for items i did not receive. i told them this when i disputed it and they act as if the receipt from marshalls resolves this. I am filing a XXXX  against XXXX too. i received no items that i am being charged for and XXXX know this .so does the bank. i wont pay the XXXX and i will not use any of my cards until this is researched PEOPLE steal during pandemic maybe items show delivered i did not get and wont pay for them. Cap one does not listen when i dispute as this is what i said. so sendinga receipt does not resolve this. reverse XXXX i am not using any card now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX Student Loans has given put my loan under the servicing of Firstmark Services. This is the first month that my payment is due to Firstmark Services. I took steps to set up auto-debit immediately. The payment was n't autodebited for some undetermined reason. It is now the fifth business day since the payment was due. I was unaware of the issue until today. I am aware now because I received the following phone calls from Firstmark Services : XXXX ; XXXX ; XXXX ; XXXX - during my work day, while I was already on the phone. I received no message from this number calling. This is a completely harassing way to communicate a simple issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I paid more double more than I should have paid. Wells Fargo knows they opened to accounts without. A word which should be used more often. Wells Fargo is very good at " Gaslighting '' and that is exactly what they did to me. When I was at my lowest point in my life, the loan officer, XXXX XXXX knew it. She just told me to sign sign and sign even when I asked questions and gave me inconclusive answer on the structure of the HELOC. Because she gained my trust and I believed. her. Every answer I received from Wells Fargo employees were just as confused as me. 


They did not respond to my last inquiry regarding mediation and to finalize the part where it was XXXX to Wells Fargo. They informed me they will contact me, there was an initial contact and then I never heard from them again. Even though they informed me they will finalize and settle this account due to their wrong doing of having 2 account numbers and without disclosing to me proper procedures I want this case to be finalized and where they reimburse me the amount I paid to them to close my HELOC so I do not lose my home. 

They can reimburse me the amount I paid them, minus the XXXX they paid to me to settle one of the complaints I made against. them. 

Wells Fargo should swallow their pride and know their wrongdoing and reimburse me {$61000.00} ( XXXX XXXX XXXX dollars ). 

This is in good faith from Wells Fargo to XXXX. XXXX XXXX XXXX. 

There are dirty employees who will lie, steal and cheat and sorry that Wells Fargo had to incorporate these employees into their system so they would not fear of losing their job and meet their quota. 

Honesty and Trust is far greater than greed and being number one.

I will be waiting to hear from Wells Fargo to finalize the mistrust and " Gaslighting '' they imposed on me and my mental status. 

Wells Fargo truly hurt me financially and mentally and that is far greater than physical. 



.

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 2016-12-01
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In the year of XXXX I was working XXXX jobs to go to school and try to keep a roof over my head as we had just moved in our hruome in XXXX and my husband was alive at that time. My husband died on XXXX XXXX, XXXX and I had all the responsibilities of maintaining my home, paying all the bills and attempting to complete my college education so I could get better employment or go into business for myself. I got hurt on my job at XXXX and could no longer work XXXX jobs and tried to work at my XXXX job. Because my injuries were as such I could no XXXX and my supervisor refused to reassign me to XXXX floor my doctor recommended I leave this type of employment which was hindering my healing of my injuries and my financial problem worsened, my home went into foreclosure and my bills became behind while my medical bills increased in costs and my health worsened. I could no longer pay my students loans in a timely manner. I graduated on a XXXX at age XXXX and have not held a regular job since. I am now on a XXXX at age XXXX and can not work any where due to the recent stay at the XXXX XXXX and was recommended I go to XXXX, My XXXX doctor completed the required forms three time and I was sent another letter for him to complete ( see attachment ) which he is willing to do. Meanwhile I am getting repeated calls from various school loans creditors to bring my school loan account up-to-date. I can barely purchase food, my medication or pay my bills since I can not work. I was told by the Department of Education that a letter was sent on XXXX XXXX, XXXX to make the school loan creditors aware not to continuously call me as they were reviewing my eligibility for XXXX status. I told the school loan creditors this fact and they told me " I am not aware of this letter! '' The calls are still coming at a greater rate than before I was told it was sent. I was in the XXXX XXXX on XXXX XXXX, XXXX until XXXX XXXX, XXXX with XXXX XXXX XXXX of XXXX, I am now on a XXXX from the XXXX telephone calls regarding my inability to pay my student loan as much as I would like too work again and pay all of my bills.

Company response to consumer: Closed with explanation