BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
There is nothing that can be done by my student loan servicer Nelnet regarding this issue. I have n't actually had any problems with them as of yet, my concern is with my loan itself. I graduated in 1995 with a {$24000.00} loan. Not bad really. However, since I was often well below poverty level income-wise I have never been able to make payments. If I had known that my {$24000.00} loan would balloon into {$66000.00} I would have starved for a year or XXXX in order to pay that off. In fact, I would starve for a year or XXXX to pay off the original amount of {$24000.00} now. But, I ca n't even fathom how I am going to be able to pay off {$66000.00} and counting anytime in the near future. I make {$1400.00} a month after taxes, not even enough money to move out of the XXXX studio apartment I live in with my boyfriend and occasionally our children who ca n't live with us because we live in a studio. It makes me feel hopeless. What is all that interest for anyway? Would n't they be happy with a full payment of the original amount instead of no payment for the hopelessly inflated amount? There should be some kind of cap on the interest charged, instead it is just growing and growing with no end in sight. I will probably be dead and pass that debt onto my family. 
( The drop down box is freezing my computer for the school choice. I attended the University XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint is a follow-up to Case number : XXXX. 
I just received a collection letter again from Chase bank XXXX XXXX, 2015. Apparently, nothing has been resolved. Again, I state the entity responsible for the {$1200.00} in question is the merchant whereby, the merchant lied on their rebuttal to XXXX committing bank fraud, allowing them to retain {$1200.00}. They do not deserve. I request that the CFPB reopen this case and take stronger action at this point Chase bank is ignoring you, and me. ( See attached. Supporting documentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ballybunion Enterprises, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I 'm writing to find out about the lawsuit against Freedom Acceptance. I am a veteran who was apparently sued in Virginia by Freedom Acceptance. I was the co-signer on an account for my ex-husband, but since they could not contact him, they froze my bank accounts until I made payment arrangements with them. I am still paying a debt that is n't mine. I just want to know if there is anything that I can do to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE

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 2016-09-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Nelnet XXXX Servicer in XXXX Nebraska lied on my 8 year old student loan debt I closed in XX/XX/XXXX and denied my student loan to be discharged. I would like this student loan to be legally looked into by Consumer finance because the Authority and Supervisors for this Nelnet Company has been billing and charging me late fees and need to waive this because they lied and kept my documents that supported the student loan account number XXXX to be removed the Nelnet account number for me is XXXX was under review by XXXX discharge since XXXX XXXX I was no longer to be billed and they reopened a closed account since XX/XX/XXXX. I am filing this complaint to receive justice and on my credit report they lied to all three credit bureaus and put bad remarks on my credit and I have no longer been able to be financed correctly this Nelnet Student loan is not even showing I ever made one payment and their supervisors lied about the amount of payments I make after XX/XX/XXXX their was a ton of interest charged on this closed account. Their was a hurricane that destroyed my home address and I moved and closed the account a month after I could not finish the courses online the funding was enough to study for less than a few months and not even enough to live anywhere. Nelnet is not legit I have disputed this civil debt as a civils issue in XX/XX/XXXX I provided them my Award Letter in the application and their in my personal business and I do n't want nothing else to do with them in XXXX XXXX. Their legally not allowed to have my identity their is Nelnet workers who have stolen around the time my Identity was on file with their Company services even before XX/XX/XXXX. Stop charging me interest for XXXX years but the Law has let Nelnet do this to only me as the Consumer. Filing this Complaint to get justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I bought a truck advertised at {$6400.00} on XX/XX/2015. I gave a {$1500.00} down payment which left a balance of {$4900.00}. I received the loan payments breakdown of {$350.00} per month for 37 months. That is a total of {$12000.00} plus the initial {$1500.00} deposit. So I am financing {$4900.00} to pay back {$12000.00}? Furthermore, I did not get to drive the truck until the A/C was repaired as advertised. The car is not street legal as there are broken taillights which they promised to repair and the tag lights are also inoperable. I did not receive the truck until XX/XX/2015 with the paperwork of my financing. When I told them that I did not want the truck because this was not the advertised price, they said that I would lose the deposit and I already signed all the documentation. So then, Westlake Financial called me to ask for pay stubs. I asked them if I did not cooperate, would I still get approved for the loan. They said no. Good. Now I can get my money back.Right? Wrong! I have been lied to by every single person employed at XXXX and would like to purchase the truck at the advertised price of {$6400.00}, or return my down payment. Furthermore, they asked me to lie to the finance company -- by telling me what to say to them when they ask me questions. I am suppose to meet with the Sales Manager today and am extremely nervous about the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX a.k.a. XXXX XXXX XXXX XXXX XXXX ( XXXX ) a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. Bank One complaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, fax : XXXX XXXX/XXXX/XXXX - XXXX permanently closed account per A. XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX sent collection letter for {$10000.00} ; XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX permanently closed account XXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX XXXX XXXX and threatened legal action if $ XXXX debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXX XXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX XXXX/XXXX/XXXX - XXXX Collections has no records of debt. Phone : XXXX, XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX claiming same as XXXX XXXX XXXX XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX XXXX/XXXX/XXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
a representative by the name of XXXX repeatedly calls from a company called " XXXX '' saying they received a complaint of XXXX allegations to be filed against me. They say their company is actively pursuing me at my place of employment and residence. 

They call my cell # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: NJ
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:
I am trying to access my free credit report from the official site https : XXXX but Experian is blocking it ( see attached blocked ) I am not sure how Experian is reporting me to lenders but they are not showing me the same information. When I look at my report from experian it shows all my accounts as exceptional payment history with the exception of 1 item ( see overview image 1 and all exceptional accounts ). When I check the late account it is listed as exceptional payment history but the fico8 is considering it serious delinquency ( see image ). Not only is experian blocking my free reports, forcing me to pay for reports and monitoring, but they are reporting me for items they aren't clearly listing and were supposed to be removed. I took a one time opportunity to pay them off but nothing has been done for 6 months. I am out of {$2400.00} and my credit is still totally ruined from one account that was supposed to be removed.

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 2016-10-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
We applied for an auto loan online with XXXX XXXX XXXX. Received an email saying that they received our application and attached a copy to the email. We were unable to open the attached application. Moments later we received another email saying a decision had been made. We followed the link ... no decision was accessible. Called XXXX number and they referred us to the dealership to get the information. Called dealership.. they had problems opening the file also. Five days later called dealership and they said application was denied and that the trade-in information was not on the application. The dealership felt that that was probably the issue in the denial. Both XXXX XXXX and dealership wanted us to resubmit our application. We do not want to resubmit because that would put another inquiry on our credit reports. XXXX XXXX not only did XXXX inquiry but XXXX! XXXX by : CHASE AUTO XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX We are very upset that they did XXXX inquiries on our credit report. They were not given permission to do so. We tried working with JPMorgan but kept getting transferred to different offices. We would like to get a copy of the application to see what they based their denial on. From what the dealership says the application they saw was incomplete. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My name is XXXX XXXX. I am a business owner residing in California, U.S. citizen and had been the XXXX credit card holder 'Amazon Rewards ' issued by Chase Bank for a number of years now. On XXXX XXXX, 2015 I was involved in a XXXX in XXXX, California the city where I reside. As the result, my XXXX XXXX vehicle was totaled. Police arrived at the scene and I have a police report pertaining to that unfortunate event plus the witness statement to prove it. 
At the end of XXXX of 2015, I have received the bill/monthly statement from Chase Visa card and have immediately noticed charges that did not belong to me or were not made by me or were not authorized by me. I immediately called the number on the back of my credit card and I told them about unauthorized charges on my account. The bank send me the new card and apologized for what had happened. Then XXXX months later I received a demand letter for payment on the fraudulent charges. I called the bank immediately and asked why would I be responsible for those charges??? The bank said that they investigated the records and concluded that the charges were mine based on the following information : they checked my payment history record and pulled out random checks that were mailed to them for my monthly statements. One signature ( according to the bank ) matched to the signature on the fraudulent transactions that happened in XXXX, Hawaii. Despite the fact that person signed for that transactions was done by XXXX XXXX who ate at the hotel in XXXX at the same time of my XXXX and possibly made other purchases. I had an XXXX and have the Police report with pictures from the accident, my injuries, witness statement, my daughter being with me as well, legal contract with my injury attorney representing me -- -- Chase bank did not take into account believe any of it. I even had my attorney call the bank to confirm the fact that I was in XXXX, California and could not be in both, XXXX and XXXX at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I started a year of XXXX through XXXX XXXX in XXXX of 2015. Through this, my loans were supposed to be in deferment, but this did not happen until many months after I had submitted the proper forms. Now, my credit score has been lowered to an unmanageable point that 's affecting my ability to get loans, adequate housing, and financial stability. The Nelnet collections say that I was receiving negative marks on my credit because of non-payment, but as a member of XXXX this should n't be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Application processing delay

Complaint:
I recently XXXX college with a degree in XXXX to fulfill my XXXX credit hour requirement for the XXXX exam. Therefore I was in the process of applying for my XXXX credit card with Chase Bank 's Visa Platinum Credit Card. I had no previous prior credit history therefore Chase Bank denied me straight off the back. However I have assets of $ XXXX, income of at least $ XXXX, and a line of credit with the brokerage for $ XXXX. This would be more well enough for the line of credit I was seeking at least you would think. My father and I therefore called customer service at Chase Bank asking them to reconsider. We XXXX talked to XXXX asking her to reconsider the decline application for a line of credit. She insisted that since there was no line of credit history that they could not issue a credit card. We asked to talk to her supervisor, therefore we then talked to XXXX. XXXX gave the same explanation of not having enough credit history. XXXX gave the phone to XXXX her manager to talk about the issue. XXXX took over for XXXX. XXXX gave the same run down that XXXX gave us except we recorded the conversation that gave us the alternative to get credit. He recommended me to go to an inferior that charges more money to get credit to get credit with Chase Bank. XXXX said that it was Chase Bank 's philosophy to deny the credit card if there is no prior credit history. There is no professional judgement in further research of the individual to see if they have other means of income, its just the click of a button than says Yes or No. This philosophy happens to be trade secret, but any person with a brain would think you would want to issue a credit card to a person who can make the payments and has more than enough to cover the line of credit with liquid assets. We offered to give the statements showing that I had the assets to prove that I was a worthy candidate for the credit card, but the would not even take them or make amends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was turned down to co-sign on an auto loan for my son because of false and inaccurate information that TransUnion put on my credit report. The turn down letter indicated that I was turned down for limited credit experience. TransUnion said time since last account opened is too short, length of time accounts have been established, and I had too many inquires. I have attached the turn down letter as well as my TransUnion credit report from XX/XX/XXXX. As you can see from the credit report I have a credit history that goes back to XX/XX/XXXX, it details XXXX accounts that consist of mortgages, car loans, and revolving credit accounts. NOT ONE PAYMENT on that report has even been LATE!! I have XXXX account opened in XX/XX/XXXX, XXXX were opened between XX/XX/XXXX - XX/XX/XXXX, and XXXX are from XX/XX/XXXX to present. Regarding inquiries - I had XXXX in XX/XX/XXXX and XXXX back in XX/XX/XXXX that related to the purchase of my most recent home. So, does their statement to XXXX saying that the length of time that my accounts have been established affects my credit score of XXXX, and my XXXX inquires in the last two years are too many?!?!?!?!? When I spoke to two people at TransUnion, they saw nothing wrong with any of their statements. I asked them if I should have been turned down for limited credit experience because of the obvious false and inaccurate statement that they made on my credit report and both of them kept saying well ma'am you do n't understand, it was based on the model that they chose. Regarding the length of time my accounts have been established is too short - my credit report goes back 22 years, how much more time do I need to not be considered TOO SHORT!!!!!!!!!!!! 
I can only imagine how many other people have this happen to them. This is totally unfair and inaccurate reporting according to the Fair Credit Reporting Act. This whole way of reporting looks like it need to be totally reworked so that the statements that the credit reporting agencies make on their reports to potential creditors is true and accurate based on the information contained in the report, no some computer " model '' that some XXXX wrote. Just a little personal information about myself, I am XXXX years old, have been on my job for 33 years, and actually opened my first credit account back in XX/XX/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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have an account that appears from XXXX XXXX from XXXX that account is not mine and on XX/XX/XXXX transunion deleted that account from my record and sent me a letter that the account had been removed from my record but now it appears again in my account here I include a sample of the letter that transunion sent me saying that the account was deleted

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