BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO repo rt shows that I 've made 100 % of my payments on time in the last 24 months.

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 2016-06-29
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAXXXX XXXX XXXX XXXX, 2015 Navient XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to lower my monthly payment for Acct # XXXX RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. 
You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you {$1200.00} dollars per month, and I do n't even make that amount! 
I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!! 
Please send my letter to a higher management personnel. I am truly trying to work with you, but asking for unreasonable payments when I clearly do n't even make that amount a month is asking too much! 

This is a copy of my original letter!!!!!!!!!! 

I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 
Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only XXXX. I ca n't possibly afford a payment of {$1300.00} to Navient and pay my other living expenses to take care of my family. This payment is XXXX % of my total salary!!! I have enclosed copies of my check stubs to verify my income. 
Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 
If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. 
In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 
I hope we will be able to agree upon an acceptable repayment plan. 
Thank you for your cooperation. You may contact me at my available email or phone information. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Data-Central, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
checking account card was stolen. I issued to close account shortly after unauthorized activity on account. Company was sold to new party .... years later I have an unpaid balance Iam unfamiliar with, that 's now in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Radius Global Solutions LLC
State: WA
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:
We have been with XXXX for over a year now of which we bundled our services when we signed up. I have been on auto pay since doing so. I got a notice from Central Credit Services stating I am in collections for {$170.00} with interest accruing. I have made several attempts to contact XXXX XXXX, some could not locate this account, XXXX in Billing said they never linked it to our account and do n't worry about it. I have asked them for a copy of this bill which they will not provide. I have copies of ALL my statements around the time they said the services were due and nothing shows unpaid. If this makes my credit report I will be furious. Today I called the credit company to get a fax number to send them the statements I have and the social does n't match mine. I am wondering if they are making up bills and sending them to collections to get more money in hopes people like me do n't inquire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: TrueAccord Corp.
State: PA
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 do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I replaced my XXXX lease of a XXXX XXXX with a XXXX XXXX XXXX. During the process of this transaction Hyundai has recorded that I was late for payments on the XXXX lease that I was not responsible for paying because I had traded the XXXX car in for a XXXX. It has impacted my credit score with XXXX and XXXX. I need Hyundai to correct the late payments on my credit bureau, I have never been late for any payments with Hyundai.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying for months to have this removed from my credit report. I have submitted credit disputes with all three credit bureaus without success. I have disputed directly with the collection company and I am ignored. Please help me resolve this. This needs to be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dozens of calls from XXXX numbers from Portfolio Recovery. They are looking for someone named " XXXX '' who had this phone number before we did XX/XX/XXXX. I 've told them this in the past yet they continue to call. I was forced to get a call blocker just so I could ignore them. We have never had any kind of debt go into collections at any time. We have never had any debt in arrears at any time ( this is over 40 years time ). We are not who they are looking for but they will not stop calling. 

I 've attached a partial list of some of the numbers and dates that Portfolio Recovery has called. These all came after I had informed them that the person they are looking for no longer has this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving multiple daily calls on my land line from portfolio recovery. I have asked them to stop calling this number. I never gave out this number to anyone other than family for emergency. They went on their own to find this number and they have been harassing me. I probably have over 5 missed calls a day from them. I did. I have not had this issue with my phone number until we switched to XXXX. They call at random hours and have been disrupting sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
PRS collection agency purchased my debt from XXXX. My debt with XXXX was resolved with a settlement years ago between XX/XX/XXXX and XX/XX/XXXX. PRS purchased my debt from XXXX XX/XX/XXXX which they are calling me on my cell phone and my relatives regarding a debt I do not owe. Not to mention the statue of limitations on this debt has expired. So they are illegally collecting on debt that is unrecoverable. I have called them, and I filed a complaint with XXXX and they still contact me and my relatives. Before I take legal action I would like to make one final attempt by contacting your office. If you can recommend an attorney I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was XXXX I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

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 2021-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We wrote the letters to Senators XXXX XXXX, XXXX XXXX, and XXXX XXXX as follow ; Dear Senators : We need your help. 
( 1 ) Citing XXXX class-action lawsuits we reported HAMP frauds committed by Chase Home Finance LLC and requested the Office of Inspector General, US Department of the Treasure, to carry out a full investigation on XXXX XXXX, XXXX. 
( 2 ) The Treasure Department forwarded our letter to consumer Finance Protection Bureau ( CFPB ). 
( 3 ) CFPB picked up the case ( # XXXX ). However, an XXXX ( coordinator ) at CFPB is marginalizing the matter as " We vs Chase. '' That is not what we intended. 
( 4 ) Chase probably robbed more then $ XXXX on the HAMP program from the US government over nine years ( since XX/XX/XXXX ) ; and destroyed XXXX homeowner 's lives. 
( 5 ) We ask you to contact CFPB and other agencies to expose the entire Chase 's HAMP frauds ; and help recover all the stolen monies and rescue XXXX victimized homeowners. 
( 6 ) Chase sent us more than XXXX HAMP application forms and some of them said, " Your application is approved. To move forward, send us the following documents .... '' although we did n't apply. We never applied because we knew Chase would defraud as described in the class-action lawsuits. 
( 7 ) You can imagine the scale of frauds from that Chase sent out several XXXX copies of HAPM application forms to millions of homeowners nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
Chase Bank Dispute number XXXX : XXXX -- -- Defective Product & Unable to Contact XXXX Inc. 
1 ) Hard drive was purchased online from XXXX Inc. 
2 ) Drive arrived by mail but was defective. 
3 ) No contact information or invoice was included in package. 
4 ) No contact info ( email, or phone or form ) on company website ( XXXX ). 
5 ) Found XXXX inc phone number with a google search, but one has to know an exact extension number to get though. It is not possible to leave a message. 
6 ) XXXX Inc is in violation of its merchant agreement by not providing contact information to customers. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Inc. 
1 ) Without being able to contact XXXX to address the defective product, a dispute was filed with Chase Bank. Chase representative also did not have correct contact information for XXXX XXXX. 
2 ) The above 6 XXXX Inc details were provided to Chase during the dispute process, but Chase failed its professional duty of care by not communicating the drive was defective to XXXX Inc. responded to the dispute not knowing the drive was defective and not knowing the customer was unable to contact XXXX Inc. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Credit card Customer XXXX. 
1 ) Letter dated XX/XX/XXXX from XX/XX/XXXX of Chase Bank was received by XXXX via paper mail but after the response deadline ( XX/XX/XXXX ) due date stated on that letter ; therefore, Chase Bank sent a letter with a response due date requirement that was later than the date the customer would receive the letter in the mail, making a response by the due date completely impossible. 

2 ) This lack of a professional duty of care by Chase Bank with respect to the handling of its XXXX credit card disputes is not an isolated incident, but is instead habitual negligence by Chase Bank not only negatively affecting XXXX, but negatively affecting all Chase XXXX customers filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Mercedes Benz Financial Services
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MERCEDES-BENZ FINANC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX, 2016 I received text notification from XXXX that a new credit account was issued. I contacted them and was told it was issued by CHASE bank. I asked who initiated it and response I got was : " Do you purchase items online from XXXX? ". They did not claim that XXXX initiated issuing the card and gave me the fraud contact number of CHASE bank. HOWEVER, WHOM EVER INITIATED IT SEEMED TO HAVE MY COMPLETE SOCIAL SECURITY NUMBER. I called the CHASE fraud number and after some discussion they informed me that a new card had been issued ending in XXXX, and it was mailed the day before. ( I RECEIVE JUNK MAIL SOLICITATIONS FROM CHASE ALMOST WEEKLY-with my name and address pre-printed on their appliction form, and shred that part before putting the rest in the recycle bin! ). The CHASE representative closed the account and instructed me to destroy the card when received. 

I received the card packet on XXXX XXXX, 2016 ... thinking it might have sent to another address because of the delay. The packet was filled with information with the Amazon.com logo explaining the use and benefits of the card. The card is even identified as Amazon.com rewards VISA with CHASE info on the back.To activate the card I even have to visit chase.com/verifycard or call XXXX. 

The documents enclosed in the kit included two pages with the amazon.com logo. One letter begins : " Your Amazon.com Rewards Visa Card has arrived. '' That one gives the account number, ending in XXXX, THE CREDIT LINE : {$6500.00} ; and the CASH ACCESS AMOUNT OF {$1300.00}! 

I DID NOT AUTHORIZE THIS. Amazon says they did not ... check with CHASE Bank. CHASE Bank did not deny any of it but did cancel the card. 

NOTE : Letter with amazon.com and CHASE ( with logo ) was from XXXX XXXX, Executive Vice President, Chase Card Services. IS THIS A PART OF CHASE BANK?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went to pay my mortgage up to date today XXXX XXXX 2015 at Chase Bank they told me they will not take my payment. I called the number they gave me they tell me I am in foreclosure. I just took the XXXX out of my IRA to get all up to date. They foreclosed on the XXXX XXXX 2015 and they are telling me I have to pay a Lawyer money now. Can you help me These people do not care for vets. They could have called me last week and I would have paid XXXXthem right away. I just could not get away I am a single Dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been a loyal Chase customer, and have always paid my bill. I had some issues arise when I left on vacation. I was informed by a telephone representative that my card would be paid automatically through ACH, while I was away. Unfortunately for me this was not the case and was 60 days late when I returned home. This impacted my credit report as you can imagine. I reached out to the appropriate parties and nothing could be done, other than some type of payment plan as my card was no longer active. Seeing that I had no other option and did not want further impact to my credit report I agreed to the payment plan. I also asked to have this issue resolved with the credit bureaus. I was told that even though I was miss informed nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX I moved into my first home. Everything was going great until around XXXX of XXXX, I was slowly getting behind on my mortgage. By early XXXX, I was told by my mortgage company that I could qualify for a mortgage modification loan, they granted me payments that were lower pending finalization of my paperwork. I had to jump through hoops to get the modification paperwork done. In the mean time I paid a lesser amout on my mortgage for 3 months. After receiving all my paperwork, they informed me that I did n't qualify for the mortgage modification program and therefor I was now even further in debt to them and that my payments would be going back up to the original amount. Once everything was said and done I was nearly {$6000.00} behind, living on a very tight budget I was unable to come up with the money. Eventually my house was repoed and sold at auction. Because of this ordeal my family of XXXX was forced to live in a mobile home for 2 years making every effort to catch up and clean up my credit in order to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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