BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: JPMORGAN CHASE & CO.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I called the XXXX XXXX XXXX to obtain a single one way ticket from XXXX, MD to XXXX, NJ. 

I spoke with an XXXX representative named XXXX. I was under the impression I booked a ticket after giving all of my information ( personal and credit card information ). 


I didn't receive an email verification or any tickets in the mail so on XX/XX/2021 I called XXXX XXXX  to confirm my reservationand the representative let me know there was no ticket purchased under my name. 

I booked another XXXX XXXX XXXX from XXXX for {$97.00} and immediately received my e-ticket via email. 


When I was away out of the country I received a fraud alert from my credit card company stating I had several charges on XXXX totaling almost {$1000.00}. 

These were not made by me and I have been fighting to get charges removed with no success.. 

It has been XXXX months and I have receivedno information from XXXX as to where the charges came from. 

My cell phone isXXXX. Please call me or reply to this email. I am cc-ing my attorney to pursue legal action for these fraudulent claims made on my account. 

I have also mailed the MD Generals office a hard copy of all correspondence including this email. 

I have made continuous to Chase and Southwest Rapid Rewards and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The loan was issued in  XXXX  by  XXXX   XXXX  and repayment began in  XXXX . After becoming unemployed in early  XXXX , I spoke with  Navient, the loan servicer, about my financial hardship and inability to continue making payments on the loan due to unemployment. Navient failed to advise me on all options that were available to me, including Income  Based Repayment, and instead advised that a deferment was my only option. This was a misrepresentation and inaccurate information. The deferment expired and now my monthly payments are more than what I was repaying prior to the deferment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is on my credit report for an unpaid amount over {$1000.00}. This was previously disputed with the credit bureau and the original company. Several times over the last couple of years I asked for validation of this account and was unable to be provided this information. I do not have a contract with IC SYSTEMS  INC  or the other company and by SC State law (  SCCLA 15-3-530 ) the statue  of limitation for debt collection is   XXXX    years from the  XXXX  date of delinquency. The first date according to IC  Systems  is   XXXX   I did not have services with company. This company is in violation of my state law. Please remove from 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 2017-05-02
Company: Tribal Lending Enterprise, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Borrowed  XXXX  ... the payment is {$270.00} every  two  weeks. I am unable to sustain this and I believe the interest rates charged are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AMERICAN HONDA FINANCE CORP
State: WI
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:
In XXXX of 2006, we purchased a home and the took out a second mortgage which was eventually sold to XXXX. We had our payment set up on automatic debits and the company either sold the loan or sold their company. 

We never paid this loan late. We have tried to contact the company many times with no success. 

We are asking them to remove our late pays from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer sent me escrow analysis and notifiedme XXXX/XXXX/15 that escrow was increasing. I reviewed it and itwas incorrect. I called them and they agreed and were torecalculate it. They have not, and it has been a month +In the meantime, I get a cancelation notice from myHomeowners! Called them, they said they are sure it wassent! I called Ins. company, they said to have them callthem. I called Ocwen back, they said they do not call ins. 
companies. Called Ins back, they said XXXX, they do all dayCalled Ocwen back, they put me on hold for 45 min. Thencame back and said, oops, you we mailed to wrong addrss '' I still do not have the revised escrow analysis ''. I can not trustthis servicer at all! Terrible, service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage account with OCWEN INC. My account was initially with XXXX in XX/XX/XXXX and they sold soon after to OCWEN XXXX My account has been pain on time and current since XX/XX/XXXX, however OCWEN have filed a public record stating bankruptcy was dismissed in XX/XX/XXXX. This information is completely inaccurate and OCWEN refuse to correct ASAP even though I have contacted then on numerous occasions. The last person I spoke to ask me to send them a letter detailing the issue. This is affecting my credit because of this information. I have written to the XXXX credit bureaus and they are insisting the information was verified even though I get a response from them within 7 days. I am sure it takes more than 7 days to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2013 my lender purchased my loan which was just modified. They sent me a XXXX Cancellation of debt for roughly {$56000.00}. I filed it with my taxes. They sent me a payoff letter that I requested immediately after receiving the tax XXXX c cancellation of debt of roughly {$37000.00}. On the website it says I only owe them {$37000.00} but on my credit it says {$86000.00} is owed. They told me that the IRS told them to give me that form but not to cancel the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section a. states I have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-08-10
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Hunter warfield debt collection agency has continued to call me to collect a debt from an apartment I used to live in. When I have asked for written documentation to see a breakdown of my charges, the man on the phone became very nasty and told me that a payment had already been made on the account and that it was because of carpet being replaced when I moved out, I told him I still wanted it on paper to see the actual charges for myself he talked over me and very snidely told me " they would send it " and then proceeded to hang up on me without another word. When I have offered to pay them in the past for what I could when I could they outright refused saying the debt must be paid in full or in XXXX payments which I am not able to do, I was told " that was my problem and that I better figure out how to get the debt paid. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account HUNTER WARFIELD via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 
On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing HUNTER WARFIELD the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that HUNTER WARFIELD stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls from  XXXX   XXXX   XXXX   XXXX . They claim that they are attempting to collect a payment for my pay-pal account. I have told them that I do not have, nor have I ever had, a pay-pal account. I have asked them to send me written copies of anything related to this account. They refuse to do anything unless I provide them with my social security number, which I will not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian credit report kept saying " loading '' in the XXXX website I was able to download XXXX & XXXX fine

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 2016-08-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I went to buy a car from the XXXX in XXXX Washington and they said they would run my credit with their company and in the end it looks like they ran it through like XXXX companies. Not what we agreed on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hunter Warfiled, Inc. has been trying to collect a debt since 2013 that I do not owe. They 've threaten to sue me without providing the proper documentation that I 've requested multiple times. I 've repeatedly sent letters of validation, and they failed to provide original documentation such as an original contract between me and the creditor time and time again. They removed the debt from my credit report but was re-instated and no notice was provided to me within the required time. Due to this my score has gone down dramatically. I also noticed that the " amount owed '' has increased as well which makes me doubt that this debt is even legitimate. It could be interest which I do n't even know if they are allowed to charge it?? I also believe that this could be a consequence from ID theft that occurred to me years ago. If this debt can not be validated I would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Its been well over 60 days since i've reported to all three bureau XXXX XXXX and experian about several incorrect and incomplete information being reported to my credit report. This letter is a formal complaint I've attempted to resolve this matter but i am not getting any answer from the bureau as a consummer I am exersing my right. 


federal law requires respond within 30 days, yet the have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated I am maintaining a careful record of my communications on this matter, for the purpose of filing a complaint the bereau has been willful non-compliance.

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 2016-01-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
sent certified letter for validation and cease and decist all communication dated XX/XX/XXXX to XXXX Midland Funding XXXX I received a letter dated XXXX that they ca n't validate debt and they have ceased collections and closed account. i have received calls from XXXX XXXX to my fax # XXXX XXXX so i called it due to numerous calls and it was in regards to midland funding the disputed account and cease and decist filed on XXXX XXXX, 2015 i informed the man that they are in violation of FDCPA cease communication also trying to collect on an account that is disputed and also past statues i could only go back to XXXX but these are the dates and times of calls From XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX and today XXXX ; XXXX XXXX ; XXXX XXXX i do have copies of all letters and response sent to agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Delta Management Associates, Inc.
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A letter was illegally sent to my employer ( in  XXXX they have a   XXXX   XXXX   XXXX   drop box ), illegally threatening to sue them if they did not garnish my wages ( non-court ordered ) under a non-existent Federal regulation (  34 C.F.R. section 682.410 ( b ) ( 10 ) ( I  ) ( F ) ).   The collection company is  Delta Management Associates , Inc   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX , MA  XXXX  ) ; phone number  XXXX  ; email -  XXXX  XXXX  XXXX .   In my attempts to call this company, I was placed on hold for an extended amount of time and considering that I live in a foreign country, to remain on hold was cost prohibitive.

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 2017-05-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
During the application process, the store employee let me know about the 0 % APR on all purchases, or the 10 % back in rewards options associated with the  Comenity Bank/  XXXX   XXXX  Credit Card. I thought those were great options and proceeded with the application. Once she ran my credit, she then gave me the disclosures ( after the application was taken ). Upon reading the disclosures I learned the APR was 27.49 % and the 0 % for 12 months had a minimum purchase amount of {$750.00}. I called Comenity Bank at  XXXX  and discussed this issue with  one o f their employees - she said there was nothing they could do about the inquiry and I would have to dispute the inquiry with the credit bureaus. I declined the credit card, due to the misinformation about the APR. I wanted the inquiry removed because if I had not received correct APR information prior to application, and there was no reasonable way I could avoid the financial harm I would incur with a 27.49 % APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.

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 2017-05-02
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is in response to my previous compliant  Case Number  #  XXXX . Even though the response was received, I wanted to respond appropriately and re submit my complaint with supporting documentation will be attach for review for accuracy.     In response to letter date   XXXX     from  XXXX   XXXX   Executive Respone Unit f rom  Cititmortgage.      In his letter he states that I was eligible for HAMP and a trial period with payment of  XXXX  which is incorrect the correct the amount {$780.00}. I will provide statements reflecting and all income was verified.  (  will upload documentation for review ) Also you stated about the account was recently review on   XXXX     with an offer of {$180000.00} however that is also incorrect. The offer of {$180000.00} CASH was submitted on     XXXX       from   XXXX   XXXX   XXXX   XXXX   ( Buyer ). T his offer apparently was countered by  Citi  of {$180000.00} and he was not willing to go up to that amount. My realtor found another buyer   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  who currently presented an offer that was submitted and signed on   XXXX   for {$190000.00} looking to close by      XX/XX/XXXX  and the file was actually just review on    XX/XX/XXXX    how convenient because my file was transferred from  XXXX   XXXX , then to  XXXX   XXXX  and to  XXXX   XXXX   XXXX  within a 15 day period. So attempting to get a status is quite difficult with your institution. ( will upload documentation for review  ) My sh ort sale analyst received this communication stating the following : " the lender denied the offer of $  XXXX  they countered back at $  XXXX . So the offer was denied and they will not review another until the sale date has been extended. The lender will file a motion to extend because of the short sale. ''  (  will upload documentation for review ) I would like the CFPB to record my response and publicly record of how unfairly I am being treated.

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 2015-09-28
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I tried to dispute this information on Experion 's website according to the procedure they themselves give you to follow, but - as usual - the site did not allow me access to their services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation