BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax credit reporting agency is reporting inaccurate information on my credit report. 
The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XX/XX/XXXX - returned XXXX XXXX XXXX vehicle back to chase at end of lease. 
XX/XX/XXXX - received letter from chase bank asking {$2500.00} as wear and tear damages in the condition report. 

I requested photos of damages. The damages in photos do not corelate to the charges in condition report. 

My auto insurance provider is requesting a detailed invoice of breakdown of charges ( labor, equipment etc ) related to a dent on right front door and right rear door so they can reimburse me for the damages but chase is not able to provide these details. I was not able to get a repair estimate from the body shop because I couldnt take the car to the workshop during COVID when I damaged the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated with a large amount of student loan debt from XXXX XXXX in XXXX, MA in 2009. Since graduation I have put my private loans in deferment and paid interest only payments for the past 6 years. Now, Navient is requesting that I pay {$1500.00} a month to pay off the rest of the loan. I told their customer service department I could not afford and they said well you can pay an extended payment rate of {$850.00}. I asked if the payment could be further lowered where I have spoken to several representatives. They first told me that I could do the {$850.00} payment only and nothing lower, then told me that might co-signer on XXXX of the loans would also need to call in for approval. When I called back they said that I made too much money to have the terms extended and that my basic life necessities left me with about {$1700.00} a month to work with, but their math only took very basic necessities into consideration. They said that their is now an approval process to lower my payment to {$850.00} but that I will almost certainly be denied, given how much I make. Given that my work is in freelance film and television production, I have to keep some amount of savings because while I work steadily there are times of the year I can not work. I have offered Navient a couple of times now a reasonable amount I can pay and they will not accept anything but the {$1500.00} a month, which roughly half of my paycheck every month. I am willing to pay them and I want to make a reasonable monthly payment but they told me that the only way I would have more options to repay my loan is if I went delinquent on my payments, which is something I do not want to do. I do not understand why they would want to make the situation more difficult and not try to work out a reasonable plan. I am at a loss for what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: DRS Financial LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
yes on XXXX a company called XXXX gave us a XXXX???? over the months we never got any bills monthly for the device. than all of a suden out of the blue.in XX/XX/XXXX we got a bill for XXXX????? dont think its right what they did.i contacted XXXX.left few voicemails stating we will not pay the whole amount of XXXX??? because they did not give us monthly bills at all????? i also left message with XXXX too pick up the machine???? they did not pick it up yet???? i also contacted the XXXX about this problem??? told XXXX about how XXXX contacted XXXX in XXXX nj????? XXXX said they would contact XXXX too see if they would lowere the amount out of a courtesy thing???? never heard back from XXXX??? all XXXX did was sewnd the new bill of XXXX???? all i want is for them too at least out of courtesy lower bill too XXXX???? thats all we can pay.my moms XXXX years old XXXX.has XXXX too.im her son XXXX too her.

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 2023-02-03
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Chime for a year and out of the blue, without warning, they emailed me and told me they closed my account and were mailing a check to an address. The address was old and not the one that was in my chime profile. Now I have no way to access my check or funds because the check is being sent to the wrong address. I tried speaking with customer service and they wouldnt help- they told me I had to email XXXX. I emailed them and they wouldnt help resolve either. Now my entire checking and savings is gone and I have nothing left.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am bankruptcy, am still going through bankruptcy. I have never had credit with capital one credit. the bill statement read XXXX balance,XXXX transaction,XXXX due XX/XX/XXXX.i did not ask for credit, i donnot want credit.i filed bankruptcy XXXX. I am still in the process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX attempted to collect on debt from 1996. I asked them about statute of limitation on collection of credit card debt and they stated there was none. I verified that it is 6 years in the state of Connecticut and by law they could not impose legal action against me. They lied throughout the conversation and are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Law Offices of MBA for a debt collection. I am not aware of any debt pertaining to this account. I sent a written letter requesting an itemized bill in order to verify the debt. My requests have been ignored and now the company has made a false report to the credit bureau causing my credit score to be affected negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
have been repaying my loans without much of the balance coming down, have also during the life of the loans attempted to get forbearance with declinations, have had interest charges and raises n my account it appears to be as my balances continue to grow even tho I am making all the proper payments. I believe there is some fraudulent activity going on with Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chime close my account without even telling me and I had deposit {$500.00} on it. This was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Model Finance Company
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: Old information reappears or never goes away

Complaint:
I Had a vehicle repossessed about 4 years ago. I would like this account deleted on my credit reports. After they took the vehicle I was never given an inventory letter for my possessions in the vehicle, and never received notice before selling the car, " your lender must provide you with a notice at least 15 days before the sale date. In order to collect a deficiency, the notice must be given within 60 days of the repossession, and must include certain information, including your rights regarding reinstating the loan or redeeming the vehicle. XXXX XXXX. XXXX. XXXX XXXX ). "

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ERC
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:
ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XX/XX/XXXX I had a Deed in Lieu when my husband became a XXXX veteran ( as of now we are both XXXX veterans ). Equifax was not correctly reporting the information, they were showing missed payments past when the DIL was accepted. In XX/XX/XXXX I submitted a dispute because they were still reporting incorrectly. The date of last activity changed to XX/XX/XXXX when I pointed out their error. In XX/XX/XXXX XXXX XXXX sent them a notice showing the account was closed in XX/XX/XXXX. Thus, my last activity was changed to XX/XX/XXXX. Now my deed in lieu, which has had zero actual account activity since XX/XX/XXXX has an active date of XX/XX/XXXX, therefore, I can not acquire a mortgage loan ( Banks use a computer underwriter that picks up the last activity date ). Equifax is still punishing me from something that happened in XX/XX/XXXX, and stating it will be on my credit for 7 more years, even though I have not done anything with the account other than show them their own errors. The DIL and loan number are shown correctly on my husband 's Equifax report. How am I to ever be able to correct my credit if I am to be forever punished for something from XX/XX/XXXX? How are consumers to correct an error by a credit reporting agency if it then makes the account active again? This type of reaging is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: PA
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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING THESE MISTAKES ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good afternoon, I was charged a late fee of {$27.00} on XXXX. As soon as I noticed this I began researching why the bank did not receive my payment. I sent the payment through my credit union 's online bill payment service. However, BBVA Compass was not set up with my credit union for electronic payments, so they mailed a check. I inadvertently typed the P.O. Box incorrectly in the bill payment service. So BBVA Compass never received my payment, though it was mailed well in advance. As a result, I requested a refund of the late fee from BBVA Compass and they refused. I have always paid this account on time. I paid the late payment and the next month 's payment yesterday. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
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: Information belongs to someone else

Complaint:
My identity has been compromised cc where open without my consent

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 2020-08-07
Company: EQUIFAX, INC.
State: AZ
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: Other problem getting your report or credit score

Complaint:
I have sent a dispute to Equifax twice. Once on XX/XX/2020 and another on XX/XX/2020. Both disputes were sent by certified mail and marked as recieved through tracking. I called Eqifax today XX/XX/2020 to follow up on not receiving feedback from my disputes. They say they havnt received my disputes. I confirmed the mailing address that I sent my certified dispute letters and the agent said that address was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase is refusing the apply my mortgage payments towards my mortgage balance upon receipt. They either wait several weeks to deduct my payment from my mortgage balance or wait until I contact them and ask them to deduct it. I have never done business with any company who refuses to apply payments as soon as they are received. 

Most recent ... .They received my payment of {$1000.00} on XX/XX/2020. They even sent an email verifying they received it. As of this today XXXX XX/XX/2020 XXXX, they have not applied the {$1000.00} to my mortgage balance. On XX/XX/XXXX, by balance showed {$43000.00} and today ( after having received {$1000.00} on XX/XX/XXXX XXXX, it still shows {$43000.00}. 

I have contacted Chase on several occasions and each time I was told it " would not happen again '' and I would " not need to call or contact them again ''. They blatantly lie and refuse to apply my payments when received. The following are prior dates and times of contact : On XX/XX/2020, I sent Chase a payment of {$1000.00}, which they received. On XX/XX/XXXX, Chase send me an email stating they never received it ... .even though it was showing in my account that they had. Sent an email to Chase. XXXX XXXX responded and said she resolved the issue, applied the payment and it would be fine going forward. 

XX/XX/2020, I called Chase since they refused to apply my XX/XX/XXXX payment. I spoke with XXXX XXXX for about XXXX hour. She assured me the problem would be resolved. She said her Manager, XXXX XXXX, would contact me and make sure I had no further problems. I never heard a word from XXXX XXXX and the problem continued. 

On XX/XX/2020, I sent another email since they had received, but not applied, by XX/XX/XXXX payment. Chase XXXX responded on XX/XX/XXXX saying he would apply the payment and stating " We have coded your account to show that you are making payments early, and they will now be posted as soon as they are received. '' Obviously, this has not happened on my last payment on XX/XX/XXXX. 

I am beyond frustrated and tired of calling and begging to have my payments applied towards my mortgage balance. I have to wonder if my balance is even correct at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I never lived at XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX.I also never at XXXX XXXX XXXX XXXX , XXXX. I went through bankruptcy because my neighbor XXXX XXXX stole XXXX of my credit cards wend I was in the hospital. he lived at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. He threaten me and forced me to file for bankruptcy. He filed for the bankruptcy and pay for it. Now its destroying my credit. Before that I had unbelievable fantastic credit.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a discover card to transfer XXXX balances from other cards. I was denied the card. At that time I was asked if I wanted a different card with a smaller credit limit. I agreed to a limit of {$2200.00}. I did not want to transfer any balances to that card and was not asked if I wanted to do that. However shortly after I recieved my card I was notified that they decided to do a transfer of a partial balance from my XXXX card ( which has a lower interest rate ) to the card they issued and added fees that maxed out the discover, ( all but {$47.00} ). I contacted them several times and told them I did not appreciate their bait and switch practices but I would pay off the balance at the higher interest rate then my XXXX card but they would have to cancel their predatory fees. They refused and now I am appealing to you for fairness. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06
Company: Miller, Stark, Klein and Associates
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call at work in regards to a debt from XXXX years ago. I have no knowledge of this debt and asked for validation. They stated they would email me validation which I did not accept, I wanted something via paper mail. They stated they did not have to mail me anything. I stated I did not want them calling my place of employment in which I was told that they did not have to honor that request but according to the Fair Debt Collection Practices Act ( FDCPA ) they should. I gave them my correct address and phone number so I could have any correspondence they have sent be received by me since there has been nothing to date. I spoke to a XXXX, who left me the first voicemail on XX/XX/2016 but he denied it was him on the voicemail, he stated he was a supervisor and did not make outbound calls but the voice on the message was his ( I have it saved for my records XXXX. I also spoke to a XXXX and both individuals gave me different total balances owed. So with that being said I told them I would dispute this since this was not my debt. I was told my balance owed would then triple if disputed it and I would receive paperwork " soon '' and would have to make an appearance before the end of the month or early XXXX XXXX XXXX XXXX stated that he was going to have XXXX XXXX '' speak to me to set up my court date via phone ( which is unheard of ) so I waited to speak to XXXX XXXX '' and no one has called to set said date up. XXXX gave me other information stating I would receive a letter either to my job or home address. So at this point I am waiting for these documents and any proof to dispute a debt that is n't mine. They were trying to use scare tactics to coerce me into agreeing to a settlement and saying that I would be taken to court under " fraud and theft '' because I told them I wanted to dispute this illegitimate debt. I have NEVER in my life heard of the practices this company tried to impose on me and am going to await the documents that should be forthcoming in regards to this erroneous allegation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Received statement XXXX with a charge made XXXX XX/XX/2020, {$110.00}, @ XXXX XXXX  XXXX XXXX  XXXX GA, I have made no such charge, ( I haven't been 30 miles from home since XXXX, COVID ) I called, they " investigated '' said the charge was valid, it is NOT. I again attempted a resolution ( with assistance from local branch manager ) but ran into " circular logic '', can't rebut because the " investigation result '', which is the very thing I rebut. CASE # XXXX XXXX

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