BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-11-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
JP Morgan Chase Bank modified a mortgage loan, of which I am listed as a borrower, without my knowledge, signature or consent. The original loan was back in XX/XX/XXXX in which my husband ( at the time ) and I purchased a home. We divorced in XX/XX/XXXX and my husband accepted all liability for the home and was given a quit claim deed only to be used for the purpose of removing my name from loan ( the conditions of the use of the quit claim deed are clearly spelled out in our property settlement agreement, which is a part of our divorce decree ). Instead, in XX/XX/XXXX he modified the mortgage with Chase which changed the terms of the original loan, adding over {$130000.00} to the principal of the loan balance and turning it into a 40 year loan which began in XX/XX/XXXX. I have just become aware of this and do n't understand how Chase can keep me on the loan as a borrower with new terms I never agreed to, that they never informed me or even required my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am disgusted how Chase has done everything in their power, in order not to approve my loan for an affordable modification. Based on the home affordable guidelines my loan does qualify. I am extremely upset that Chase refuses to help me to keep my home. According to Chase recent review ; they stated the reason why I was not eligible for the home affordable modification was due to Chase not being able to verify my income, employment, assets, identify and property occupancy based on the information I provided. This is the exact same excuse Chase used in the previous review back on XXXX. However, I appeal and provided proof of my identity and my source of income because at the moment my wife XXXX was the only XXXX working and it was not enough for Chase to approve an affordable trial payment. I was forced to re-apply and was promised a fair review, but Chase only use {$0.00} of my total income to review my loan. I am extremely upset because I had provided time and time again my wife paystubs and the new payroll records from my new job but Chase refused to use our correct income of {$3400.00}. Chase has purposely prolonged my review process by using false information to deny me assistance. I am falling further behind due to false income Chase makes up to review my loan. All I want is to keep my home and to be provided with an affordable payment due to my loss of income. This is why Chase was sued previously for all the false information that was being used in order not to help struggling homeowners like myself. However, in my case I have provided all the necessarily documentation and I keep getting denied. I am attaching my financial sheet with this letter and all the proof necessary to move forward. Hope we can come to an agreement before I seek legal advice against Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I disputed charges on my credit card since XXXX 2012 .The bank responded with a letter of investigation that I should exercise patience within XXXX days for the merchant to respond and I waited.. After XXXX days I contacted the bank about my disputes, to my surprise the bank said that the merchant had not respond back and sometimes it takes XXXX days. XXXX was never given a temporary credit as the law requires and till today .Before the XXXX days, I lodge a complaint with the bank again with their escalate department and I was told that the matter had been resolved in my favour and I should be expecting the refunds in my account soon within XXXX days.and they are only waiting for their manger to give the apprpval .I sent faxes, made calls and visit branches and they refused to credit my account.I was advised by the court to lodge complaint to your office XXXX before I sue them if the matter is settle.Please kindly use your good office to intervain maybe the matter could be settle.Thanks for your cooperation and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Nelnet increased my interest rate to 6 % ( from 3.25 % ) without my authorization because I am an XXXX who is on XXXX. I want my 3.25 % interest rate back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have opened a 2013 auto loan that is no longer active, but it is still on my credit report as a charge off profit write off. I am just trying to maintain my image and credibility. I just need this account that no longer serves a purpose, off my credit report please. By the way, if this fix is delayed, i will lean toward litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I responded to a Chase direct-mail marketing offer : Get a {$200.00} bonus when you open a savings account, deposit $ XXXX or more in new money, leave it there for 90 days, and leave the account open for 6 months. Sounds straight-forward. What the offer does n't state is that in order to open a new account ( even if you 've held a Chase credit card in good standing, as I have for 12 years ), I was required to provide the following information. By required, I mean that the Branch Manager was firm that she would not open the account without this information. 
My Permanent Residency card ( " green card '' ) - I had to go home to get this before she would procede. ( I had already given her my Chase credit card, XXXX. Drivers License, and Social Security #, which she confirmed matched the info that she had on file for me already through my credit card. ) I brought back my XXXX passport, too, just in case. She said that she " was n't sure '' that she 'd need that. 
Name of my employer and annual salary Whether I own or rent my home, the amount of my outstanding mortgage, the name of the company that holds that mortgage, and the appraised value of my home Details regarding every checking, savings, retirement, and investment account that I have, not only which institution they 're at, but the dollar value of each Which other credit cards I carry, and whether I carry balances or pay them off monthly The process took a total of XXXX minutes, sitting at the Bank Manager 's desk. It became clear to me that this is no bonus to open a savings account. This is {$200.00} that 's being paid to mine every bit of financial information that I have. This was to open a simple savings account. I was providing Chase with more financial information about me than anyone else has, to sit in their database ... not for a loan, mortgage, or line of credit, but for a simple savings account. I think that Chase should have to indicate the breadth of information that they require in order to take advantage of their marketing offer. If I 'd known, I would n't have considered closing my savings account at another institution and switching to Chase. ( But once I 'd already invested that time, I wanted to take advantage of the {$200.00} bonus. ) I mailed a letter to Chase XXXX XXXX, but have n't had any response from them to date ( 3 1/2 weeks later ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
CHASE BANK SENT ME XXXX EMAILS THIS MORNING AT XXXX AND XXXX STATING THAT MY ACCOUNT AND AVAILABLE BALANCE WAS {$10.00}, BASED ON A {$10000.00} RETAINER FEE CHECK I DEPOSITED WITHIN THE PAST 48 HOURS. BASED ON THOSE XXXX EMAILS, I MADE SEVERAL BILL AND ONLINE PAYMENTS FOR A FEW XXXX DOLLARS, PLUS A CHECK FOR MY CHILD SUPPORT IN THE AMOUNT OF {$XXXX}. AROUND APPROXIMATELY XXXX THIS MORNING I RECEIVED XXXX EMAILS FROM CHASE TELLING ME THAT MY ACCOUNT WAS NOW XXXX. I CALLED CHASE BANK IN A MASSIVE STATE OF ALARM AND WAS TRANSFERRED 3-4 TIMES. FINALLY SOMEONE IN THE " FRAUD UNIT '' TOLD ME THE CHECK DEPOSITED WAS BEING " HELD FOR POSSIBLE FRAUD. '' I EXASPERATINGLY TOLD THEM THAT I MADE THESE BILL AND CHILD SUPPORT PAYMENTS BASED ON THE INFORMATION IN THE XXXX EMAILS THEY SENT ME THAT THE BALANCE AVAILABLE WAS {$10000.00}. 

XXXX IN FRAUD UNIT TOLD ME THEY RECEIVED A " ALERT '' AT SOME POINT THAT THE CHECK WAS GOING TO BE RETURNED OR REFUSED BY THE ISSUER BANK, XXXX. I ASKED HER WHEN DID SHE RECEIVE THAT NOTIFICATION ALERT, AND WHY DID THEY NOT EMAIL ME IN REAL TIME SO THAT I COULD ALSO NOT WRITE CHECKS OR PAY BILLS BASED ON THEIR INFORMATION, AND SHE HAD NO ANSWER. FURTHERMORE AND EVEN MORE EGREGIOUSLY APPARENTLY THEY ARE CHARGING ME A FEE FOR NEGATIVE ACCOUNTS. 

THIS WHOLE EXPERIENCE HAS OBVIOUSLY GIVEN ME AN XXXX AND THIS IS NO WAY FOR CHASE TO DO BUSINESS - THEY MUST ALERT CLIENTS IN REAL TIME TO AVOID FURTHER COMPOUNDING CUSTOMER MISERY AND CHARGING NEGATIVE ACCOUNT FEES. I WAS FINALLY ABLE TO RESOLVE THIS MATTER ON THE PHONE WITH " XXXX '' BECAUSE I AM AN XXXX AND KNOW MY RIGHTS WHEN THEY CLEARED THE FUNDS WITH XXXX, BUT AGAIN THIS IS NO WAY FOR CHASE BANK TO DO BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was a loyal Chase credit card customer for almost a decade. In XX/XX/2016 I left my job and it took me two months to find a new one. Chase has been repeatedly calling me - I find several messages on my caller ID every day. 
When I landed a new job, I spoke with Chase on XX/XX/2016 and informed them I was starting a new position and I would be able to catch up XX/XX/2016. The person on the phone said he 'd note this, and the calls would stop. 
The calls did not stop : on XX/XX/2016 I answered the phone and was again told I was late. When I asked the person on the phone if there was a record of my previous conversation, she said there was but " company policy is to call every five to seven days to see if anything has changed. '' This is absurd : I informed them when I could pay them, there 's no reason for them to be constantly calling me when the date has not passed yet. 
Chase needs to follow through on what they promise : if I 'm told the calls are going to stop, they need to stop until the date payment was promised has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from Experian ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

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 2016-02-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase is charging me overdraft fees for debit card items when I opted out of overdraft coverage. My card should be declining for these purchases ( XXXX XXXX, XXXX, and XXXX ( XXXX ). I have been charged overdraft fees because Chase allowed these to go through when I did not have funds available. Other banks such as XXXX, deny these transactions by card as they should when card transactions attempt to come through when funds are not available. This is very unfair of Chase to allow these to post instead of doing a normal card decline with no fee. I could see if these were ACH transactions, but not card transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Bankruptcy

Complaint:
I had a ChaseXXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. Chase sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, Chase reported to XXXX and XXXX a past due balance of {$1200.00}. I disputed with XXXX credit bureaus, XXXX removed the information from my credit card promptly and XXXX told me to contact Chase. I have contacted Chase multiple times to no avail. The last communication was a phone call about a month ago and Chase was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by Chase to XXXX XXXX XXXX XXXX ). This is affecting my XXXX score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: R & B Corporation of Virginia
State: VA
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:
I noticed i had XXXX bills on my credit file that i have no contract with never applied for no service with them have no knowledge of these accts. XXXX is for {$350.00} and another for {$55.00} I told them that they have violated my rights by putting these derogatory items on my Credit did not give them my consent and this fraudulent information was put on without contacting me before placing these items on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Transunion has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Transunion cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT

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 2016-12-27
Company: Student Services
State: FL
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
In an attempt to pay down my student loans, this company stated that they charge {$240.00} for the first two months in order to consolidate my loans. The following months I paid {$110.00} every month in order to pay off my student loans. I later found out that since all my loans were through the federal government, there is no charge to consolidate my student loans and in some cases consolidation is not necessary. I have since gotten multiple requests from XXXX stating that my loans have not been consolidated and when I contacted the agency to inform them of the notices, I was told that it takes a while to process and that the consolidation would show up. Nothing has shown up. I was also unemployed for a few months and when I contacted the agency to let them know, they never placed me on the deferment list and still took out the {$110.00} in XXXX. I attempted to contact " Student Service '' several times in order to resolve the issue but their phone line continued to go straight to voicemail. I also tried to locate original documents in an e-mail that only provided a link and now goes to an invalid page. 

To resolve this issues, I had to contact my bank, XXXX XXXX XXXX, to report the fraudulent activity and have them on permanent suspension of further deducting any money from my account. Once the issue was resolved at my bank and I received the funds, I FINALLY heard something back from " Student Services '' from someone named XXXX XXXX saying that my account with the agency was canceled. I have also checked on my government student loans and there have been no payments made to settle my debt. These instances occurred only because I was trying to relieve my debt prior to finishing XXXX school. It is extremely unfortunate to have agencies like this that exist to scam individuals solely wanting to pay off their student debts. 

Attached within this claim is the original agreement from Student Services and XXXX additional documents stating they would be taking out {$240.00} in XXXX and XXXX. Also included are my XXXX XXXX XXXX statements for XXXX, XXXX, and XXXX. XXXX and XXXX payments are listed on the XXXX statement together. 

At the bottom of each statement it lists the automatic withdrawals for the account. This company is listed as STUDENT SERVICES XXXX : RECURRING on each statement. 

XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX/XXXX/2016 for {$110.00}

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 2016-09-17
Company: Car Cage Motors Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I did a in house financing with Car Cage Motor The apr was set and added on to the loan The loan was a 18 month loan and I 'm 5 months into the loan And paid it off Car cage motor wo n't give me a breakdown for how the apr was calculated I have all the Documentaions for the loan I just do n't want to be rip off and takin for my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation