BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: MARINER FINANCE, LLC
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:
Mariner Finance XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MARINER FINANCE has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have contacted Capital One in writing on 5 occasions over the past few months, requesting a copy of a letter or statement showing that my account ending in XXXX has a XXXX balance. They have refused to respond. I need the document now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off 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 explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off 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 explanation
Consumer complaint received 2017-05-24
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I lost my long-term job on  XX/XX/XXXX . I graduated from   XXXX   XXXX   in   XX/XX/XXXX . I had never missed a payment since I started with ACS on  XX/XX/XXXX . I cont inued to try to stay off of forbearance and managed to pay my student loan until   XX/XX/XXXX  . My normal monthly payment is {$380.00}. I contract while I am interviewing for a full time job which I have not found yet.     When I realized I could not meet the payment requirement in   XX/XX/XXXX ,  I tried to request forbearance for 1 month only - but the paperwork took too long to arrive and they tried to withhold but were unable to.     I still made my  XX/XX/XXXX  payment as soon as I could on   XX/XX/XXXX   and made my  XX/XX/XXXX  payment timely on   XX/XX/XXXX .  As of now I am current.     I received an e-mail on   XX/XX/XXXX   informing me that on   XX/XX/XXXX  , they were now going to start withholding {$440.00}. I called requesting an explanation and they told me that there was only a 15-day grace period and they were raising my interest rate and payment amount for each month by {$54.00}.     I had to apply for a reduction in loan amount for  two  years as I 'm worried about making the payments now with the increase.     I 'm upset because I only made one late payment and am penalized permanently going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-04-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2015-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/XXXX I had used my Chase Visa Rewards Card to stay at the XXXX. I had also used my XXXX Card for the second week. To my surprise during the second week when I was sleeping I felt something crawl across my arm and I quickly jumped up and screamed, my daughter turned on the lights and it was a bedbug crawling on the bed. We caught the bedbug and took it in a jar we found to the front desk. They said they would move the room and have the manager call us ASAP. After moving all of our stuff in clear bags of course to the elevator and XXXX floors up with no help I contacted the customer service dept at Chase Visa and the XXXX XXXX .Well the staff at that time sounded sympathetic about the problem and told me that they would be following up with this in the next couple of days. The c/s at the XXXX XXXX removed the charges and gave me credit for my bill, However the Chase card services gave me such a hard time even after knowing that we had to throw away our belongings and repurchase the things that had been infested and appeared to have bedbug eggs. We were at the hotel because we had just moved from our home and the new place we were moving to had been delayed due to a fire that had happened. It was obvious we were homeless. There was absolutely no c/s support after the report was made we had got the building inspector and health dept and the hotel had been previously cited for bugs and they cited the place again. 

The Chase card services did not reverse the charges and I had to pay the full amount. This included finance charges from XX/XX/XXXX until XX/XX/XXXX. So now on XX/XX/XXXX I receive the attached letter and I called the phone number they wrote on the letter to speak to the c/s because I understood that the amount in dispute was resolved as they have stated in the letter. I called on XX/XX/XXXX at XXXX. I spoke to a Chase card specialist named XXXX who told me that the XXXX cent credit that I see on the account is what I was entitled to. He also said that there were a lot of other people that had this refund coming to them. I told him that I was charged a lot more than XXXX cents finance and I asked him what do they mean by saying the dispute was resolved I paid it in full, he did not answer me but continued to talk over me rudely blabbing on and on. I felt it was necessary to terminate the call due to the fact that he was completely giving me the run around. I felt at that time to contact your agency for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Complaint : Denied loan modification/refinance of real estate by Chase based on terminology ( mortgage vs credit line ) When I wanted to refinance the1st mortgage on my property in XXXX, it was suggested that I apply for a credit line instead, which I did. It is the only lien on the property ; it is effectively a mortgage on the property with the property as collateral. Fast forward past the economic downturn in XXXX and then further to loan modifications offered to certain property owners. 
I own two almost identical properties, only a few doors apart. They are XXXX rental properties. One is financed by a mortgage and I was contacted by Chase in XXXX regarding a loan modification at no charge to me and regardless if the property was worth less than the existing mortgage amount. The current rate after modification is 4.625 %. The second property mentioned in the first paragraph did not qualify since it is financed by a credit line ( at 7.75 % ). This property should qualify. And it should be modified/refinanced at a lower interest rate comparable to the rate on the other XXXX identical ) property. I would rather not oust the tenant and hurt my credit score by letting Chase foreclose on this property, but I can not continue to carry it without a lower interest rate. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Without consent lenders are reporting information on my behalf. Inquiries are reporting on my report I dont recognize

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 2022-09-01
Company: EQUIFAX, INC.
State: VA
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:
I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX XXXX credit card into the program. I completed the program and paid all of my creditors in full as of XX/XX/2022. Even after 2-3 disputes with the major three credit reporting bureaus, XXXX continues to provide false or incorrect information to the three major credit reporting agencies and specifically, Equifax and XXXX continue to list this account as an unpaid charge off, however, the status has been changed to paid with XXXX. ALL 3 agencies are reporting the written amount after negotiation and settlement with XXXX XXXX XXXX, is {$5100.00}. This is also incorrect. The settlement information I have attached clearly shows that after settlement, the final balance was {$5800.00} and XXXX agreed in settlement and was paid {$4400.00}. I am not a mathematical genius but that doesn't amount to {$5100.00} as a write off. There are several errors and inconsistencies among all three reports all around. I am filing a complaint so that I can find and seek resolve as to why they continue to report incorrect information after being paid in full 3-4 months ago. They did not hesitate to very quickly report any negative information surrounding this account when I made the hard decision to include it in a debt consolidation program when going through a financial hardship a couple of years ago. Why does it take so long to correct now and provide accurate information for reporting purposes? I didn't run from the obligation but paid most of it back, albeit, at a lesser amount after settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX/XXXX/2016 I applied in-branch for the Chase Sapphire Reserve. Chase did a hard pull on my XXXX credit report and immediately declined me for " too many cards open in the past 24 months ''. Upon calling XXXX services, they explained to me that they have a rule called XXXX. If you have opened XXXX or more credit card accounts in the past 24 months, you will be automatically declined for a most varieties of Chase cards, regardless of your credit score or history with Chase. I have top notch credit and excellent history with Chase. I have opened exactly XXXX new credit card accounts in the past 24 months. If Chase wants to do that, they certainly have the right to. But nowhere, in any brochure or disclosure, does Chase warn you of the XXXX rule. It is only after you apply that they inform you. This is a deceptive lending practice, and hurts my credit by putting a hard pull on my credit report for absolutely nothing. If Chase wants to continue with XXXX, it needs to be clearly disclosed on every advertisement, brochure, and application disclosure in order for the consumer to make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2022, " XXXX '' reached out to me on XXXX XXXX to purchase an item I had listed on XXXX XXXX. He agreed to purchase it and then tried to pay me through XXXX but it wouldn't go through because I didn't have a " business account ''. I got an email from " XXXX '' explaining I would have to send him {$300.00} and I would get the {$300.00} refunded as well as the {$70.00}. I wanted to back out, but felt guilty because he said he already lost the {$70.00} and in hindsight none of this makes sense/ I suspected it was a scam earlier on, but that guilt and good faith got the best of me. I sent him the {$300.00} with proof and then got an email saying I'd need to send an additional {$500.00} and when I asked " XXXX '' about it, he provided a different email for me to send the money to which made me snap out of it because I could not possibly reason why he had two separate XXXX accounts I would need to pay. As soon as I realized, I called Chase to file a claim and once I did so, proceeded to let XXXX know that I knew it was a scam. I received a notice from Chase today ( XX/XX/2022 ), that there would be no action taken. 

I've attached the conversation with XXXX, the email thread with " XXXX '', and the letter from Chase saying that my claim was resolved with no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES BECAUSE OF INACCURATE ACCOUNTS ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

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 2022-04-09
Company: U.S. BANCORP
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: Investigation took more than 30 days

Complaint:
My loan had a maturity date of XX/XX/2022. I called the company & told them I could only pay {$1000.00} for XX/XX/2022 & would pay the remaining {$1100.00} in XX/XX/2022. The customer representative told me that would be fine & no report would be sent to the credit bureau as long as the final payoff was paid in XX/XX/2022 And no late charge would be assessed. I paid the final payment on XXXX but a few days prior to that, I get a notification that my credit score had decreased like XXXX points due to my account being 30 days past due. That is completely insane & unfair on what they did to me after they said that would not happen. I have been a good, loyal customer & now have paid off the loan in full. I would truly appreciate if they would reverse that 30 day past due because it was not & that would help my credit score tremendously!!! Please Help!!!!

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 2017-05-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Hello, I have just been informed about Navient 's class action law suit and quite frankly I am shocked that Navient di d n't say anything about this. I had pulled out loans for school back in  XXXX . I was told that I would n't have to pay any interested until 6 months after graduation. In  XXXX , my parents received numerous calls from Navient saying I was late on payments and that I needed to pay, otherwise my credit would be really bad. I talked to all my friends who had the same exact loans, and none of them were in the situation I was in. I was extremely confused and in the long run just brushed it off because I did n't want to have bad credit.. I was afraid for that to happen to me, so I started paying interest during my second year of college and since then have been paying. They stopped calling after that. I would really like someone to help me with this situation please. Especially now that people are coming out about Navient, I also would like an answer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX XX/XX/2020 I submitted the proper printed form to request my ( 3 ) annual credit reports. Two agencies have complied. Experian has been negligent in complying with this request. The time frame of my last request was in excess of 18 months. During my last request again it was EXPERIAN whom disregarded the FCRA requirements. 
It would appear to me that Experian deliberately tries to avoid supplying citizens with their requested reports.

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 2022-09-01
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Good morning, My name is XXXX XXXX, and I was previously attending the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX PA XXXX. I begin my education at the location mentioned above on XX/XX/2022, and through the enrollment process I was told that I could possibly apply for financial aid in the form of a loan. I was told by the same department who consolidated my existing loan, that I would get an opportunity to review the loan, before accepting it, which Ive never accepted. 

Ive came to the determination that I would like to attend another program, and in the process of enrolling in the new program, they made me privy to the fact that I was eligible for a grant, which the previous Institute did not make me aware of. Instead, my previous school continued to guide me down the direction of taking out a loan, which I would not have done it if I would have known I was eligible for a grant. 

Since then, these loans have been placed on my credit report. When Ive contacted the school about the current situation, I was told that they were given the right to take part of my loan for their expenses. Expenses that I have yet been told for what. I was never aware of my loan being processed, approved, or anything, but the school took it upon themselves to acquire funds that I did not know were available. 

I would appreciate it if you could assist me in the matter and help me understand how my loan could be approved and processed, to the extent there is now additions to my debt, but Ive never seen any of the money from the loan. Before I attended the school, I had only 1 ( one ) school loan, now I have 3 other school loans attached to my credit, but never seeing any of it in my account, or in check form. 

Please, and thank you. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation