BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm an XXXXXXXX XXXX XXXX. Experian credit reporting company is deliberately putting false social security numbers on my credit report that is causing great harm for me to get a new home! On XX/XX/XXXX, I reported a fraudulent social security number on my credit file to Experian! This is like the XXXX time sunce XXXX! CSR with Experian stated the fraudulent social security number was on my account since XXXX! I just was made aware of this fraud social security number when it appeared on my Experian app in XXXX. 

Their employee discriminated against me by leaving the fraudulent social security number on my credit report and removing my real social number! They did this deliberately because I am XXXX XXXX. I made repeated calls for this to be fix and each and every time Experian left the fraudulent social security number on my credit file! And refused to remove it! 

I requested Experian to remove my full middle name from my file because I do not like the name! I requested they use only my middle initial! They have refused to correct this! I do not want Lenders or creditors to know my full middle name. 

This discrimination has been ongoing with Experian! Their discrimination and racism towards me has caused me great financial harm! Now with this fraudulent social security number they placed on my credit report us causing me to become homeless! I am un the process of moving and the fraud on my credit file is the cause of this! I spoke to Experian since XX/XX/XXXX to remove the fraud social security number! Instead the left the fraud social security number and removed my actual and valid social security number! This was done deliberately because I am an XXXXXXXX XXXX XXXX! Please help me be compensated for this ongoing discrimination by Experian.

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 2016-08-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I am very disappointed in the way your department and XXXX XXXX forced Chase Bank to admit there " unlawful collection pratices ''. It seems that the consumer, whom Chase Bank used these " unlawful pratices '' on, got nothing from the court action that was entered against them. I read the final transcript and it seems your office and the XXXX states whom were involved received a pay out of millions of dollars and the consumer, whom reported there conduct to each XXXX and your office came out of this legal action with nothing. The consumer was the first reporting party, your office and the other XXXX would not have been able to file the legal action if it was not for the consumer. Being XXXX of the XXXX comsumers from Washington XXXX whom Chase used these " pratices '' against, I was shocked and very upset that the XXXX XXXX dollars Chase was ordered to pay the XXXX of Washington was not going to be used to reinburse the consumer. I have been in contact with the XXXX here in Washington state and was told, in more ways then XXXX '' that there award was to be used for costs and education on any company thinking of using this method to collect debts. After checking my options for any legal actions against Chase also had me very upset. It appears the only legal action, as a consumer, that can be taken against Chase Bank is refined to a {$1000.00} award. The effects that have been felt through there actions goes way beyond a {$1000.00} award, and just the thought of the amount you office and the XXXX were awarded just made me sick. I thought your office, and the XXXX, were in place to punish companies that took advantage of the consumer? I must say that your conduct and the XXXX have shown me that reporting companies of unlawful pratices is not in the consumers best interest. I do have plenty of other items I find that are very underhanded but I have a feeling that there is no reason for me to provide them in my statement. I do not believe your office will understand how this has effected the consumer. I found this out when my XXXX office kicked me to the curb without even a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On multiple attempts I disputed the account on my credit as inaccurated being filed by the collection agency National Credit Systems Inc in the amount of XXXX. This account has been heard before the XXXX District Courts and has been dismissed. In court the amount said to be owed as {$4400.00} but National Credit Systems Inc is reporting an inaccurate amount and verifying it as accurate. I owe no such debt and have not been presented and documents proving otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: TX
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 bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.

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 2015-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE A MORTGAGE WITH CHASE ( LOAN NUMBER XXXX ) THE LOAN WAS MODIFIED IN XXXX. THE ISSUE IS WITH THEPROPERTY TAX SIDE. IN XXXX I WON MY APPEAL WITH THE COUNTYAND HAD THE TAX BASE LOWERED FROM $ XXXX TO $ XXXX ( XXXX ) CHASE HAS BEEN CHARGING ME ON {$670.00} AND EVEN WITH PROOF REFUSE TOTO RETURN OR ADJUST MY PAYMENT BASED ON MY APPEAL PROOF. 
CHASE IS ALSO INSERTING A FLAT {$800.00} PER MONTH TAX AMOUNTEVEN THOUGH EACH YEAR THE PROPERTY TAX RISES AND FALLS. 
CHASE IS HITTING ME WITH THIS EVERY YEAR THROUGH THE LIFE OFTHE LOAN. I ALSO WAS IMPROPERLY DENIED A LOAN MODIFICATIONXXXX/XXXX AND CHASE HAS REFUSED TO ALLOW ME TO REFINANCE ANDTHAT WAS BACK OVER TWO YEARS AGO WHEN INTEREST RATESWERE LOW. I WAS TOLD BY CHASE I COULD REFINANCE, BUT BLOCKSANY ATTEMPTS TO DO SO. 
THE BANK REFUSES TO RETURN CALLS AND EVENTHOUGH THE BANK ASSIGNED THE EXECUTIVE OFFICE TO HELPTHE XXXX HOUR RETURN POLICY IS IGNORED. THE BANK IS ILLIGALLYMAKING MY PAYMENT TO HIGH, HAVE HIT ME WITH AN IMPROPERARREARS PENALTY AND ESSENTIALLY WANT TO MAKE IT SO BADTHAT IT HOPES I WILL NOT BE ABLE TO AFFORD MY PAYMENTS ANDTAKE MY HOUSE. ALL ATTEMPTS TO WORK WITH THE BANK HAVEFAILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a Federal Parent Plus Loan that is currently being serviced by Navient. On XX/XX/2020, I contacted Navient to inquire about lowering my monthly AutoPay amount by {$60.00} as part of family budgeting changes due to the current COVID-19 related financial crisis. I owe about {$25000.00} and was paying XXXX monthly which resulted in a total repayment in about 39 months of a bit in excess of {$28000.00}. I was told by the customer service representative that they could not make the requested change, but calculated a new repayment schedule of {$370.00} a month for 24 months, followed by two terms of payments in excess of {$1100.00} per month that pushed repayment out into XXXX, and would have a cost to me in excess of {$180000.00}. I explicitly told the representative that I did not want this option ( multiple times during the recorded conversation ) and to just leave the account as it currently existed and after a few demographic questions ( address, phone, and email verfication ), ended the call. 
The morning of XX/XX/2020, I received an email notification from Navient that my loan payment terms had changed. Turns out, they were changed to the proposed and rejected new payment schedule from the prior day, without my consent. I called customer service at Navient and complained about the situation, requesting that my loan payment terms be set back to what they were prior to the XX/XX/2020 call. Representative offers a couple of payment plans that were close to, but not exactly what I had had before. Consequently, I asked to speak to his supervisor. The representative put me on hold, and came back after a few minutes, without the supervisor, asking about would I accept one of the new payment plans and that he would internally register an inquiry about how this happened. Again, I asked to speak to the supervisor as what I wanted was to have the account put back to how it was previously. Representative said he would connect me with the supervisor and put me on hold. After a few minutes, he returned and stated that the account was set back to the original payment plan. I never did get to talk to the supervisor. 
While my situation was rectified, I have concerns that Navient representatives are making unauthorized changes to repayment plans, resulting in longer repayment terms and more interest expense for customers. Also, the fact that I never was able to talk to a supervisor and lodge my complaint seems to me to be indicative of a pattern of pervasive dishonest and misleading behavior on the part of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, at XXXX I attempted to deposit {$550.00} cash into the ATM located outside of the Chase Bank in XXXX, NY. The money was drawn into the ATM in exchange for a receipt stating " The ATM has experienced a technical problem. To confirm that your deposit was completed properly, contact a Chase Representative... '' I immediately thereafter went into the bank and spoke with XXXX XXXX. I was provided a Claim Number and told to follow up in three weeks. On XXXX XXXX, 2015, I returned to the bank and spoke with " XXXX '' and was told that my claim had been denied. XXXX left to get the Bank Manager ( XXXX XXXX XXXX and I was once again asked to followup ; however XXXX stated it was " doubtful '' that I would ever receive my money because so much time had passed. My attorney contacted XXXX XXXX and XXXX XXXX indicated that I needed to submit a complaint through the Dispute Department at Chase - something I was never told on two separate occasions of trying to resolve this in person. I have attempted a resolution by way of my personal attorney but neither of us has received any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle from XXXX, come to find out the hood had no way of being opened the car jerked something terribly and the radio didnt work either. I bought the car three months and only driven it twice and its been with XXXX since. My radio was changed without me even being aware of it and within the three months theyve had Ive gotten no call email or messages in regards to my car and what changes they were making. Its also super frustrating because the key selling points on the car were changed and upon them telling me my car was ready they just wanted me to take what they were giving. They changed my radio from the original to an after marker that didnt come with XXXX backup camera was awful and now I have to speak through a mic that they put in but it wasnt what I paid for and now Ive made two payments and havent driven it and now Ive been without my car. 
Moral of the story I bought a car that features were sold with it that were later taken away without being brought to my attention. I had no say so and was basically suppose to be happy with the changes but is actually the complete opposite. I am disappointed in the fact that Ive made two payments and paying car insurance on something that I am not even using or happy with.

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 2016-08-09
Company: Incomm Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have purchased a prepaid card through XXXX called XXXX prepaid debit card. My wife and I loaded {$40.00} dollars on the card, just for a bill and trying out a new card to use for bill saving. 

We arrive home and my wife and I tried to activate the card online. My anciently clicked the auto fill that remembers previously filled information on certain webs, upon this everything was filled in except my social that i filled in myself. We failed to ensure the name was filled in entirely. We did n't find out until after it went through that only my initials appeared. All information correct except my full name not appearing. So it was not activated. 

We call the customer service and they tell me I can not use the card and if I want to I have to send in all of my personal information like my photo ID, my receipt, and my social security information. 

Now, I given them all of the correct information however I was not sending in my information just to wait months for them to give me my funds if they ever were. I put my money on the card, trusting the card to use online immediately. This is ridiculous and they tell me i can not receive a refund nor can i use my card, They are able to activate it, they are refusing to. this is not for my safety, this is FRAUD! A SCAM! This is not advertised and they have stolen my money. I can not use my card and receive my funds at all. they want my identity information. This is not something they can do. This is not a bank, but a card. I am baffled and downright upset having trusted this card. 

This is ridiculous and others should not use this only to find they can not access their funds. They have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022 I requested a limit increase on my visa signature cashrewards account. I was notified by mail that I was denied due to " reaching Navy Federal 's maximum unsecured credit card limit. My limit is currently {$15000.00} and I know for a fact that Navy Federal has accounts that exceed that amount. This information was false and misleading. They also pulled a consumer report from XXXX who reported negatively on my behalf without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
When I finally got the help I needed to make consistent payments with a Fed Server, the government shut things down r/t COVID 19. I continued making my payments only later to find out that the government transferred my account to MOHELA. I continued making payments with MOHELA but no longer can because of the long phone call wait time and now I can't logged into my account to get information about my loans. My account either freezes or locks me out. It's important that I let them know I have moved! I had a better communication with my previous Fed Loan Server and monthly auto payment setup that was working great. This was not necessary for the Federal Government to just change my Server as though my opinion doesn't matter concerning my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I previously applied for an income base loan and was denied. Due to denial It has caused me the inability to pay and its XXXX for me and my family. Even at the time, i was paying tuition for my child who was attending XXXX XXXX XXXX. Its very expensive with that alone & the difficulties of paying her tuition and living was extremely difficult. The hardship is unreal and i just asked my loan company for help and was denied. It seems so unfair to ask fir help and be denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a business bank account with my partner at TD Bank since XXXX. There have been many issues since then but the latest is most concerning. I entered the bank wishing to do a transaction and was told that I was not listed on the account. I had used the ATM just a couple of days before, used the debit card to make a few purchases and the month before done a transaction in the branch. However on XXXX XXXX XXXX I was not listed. The bank employees could not tell my why I was not listed on the account and my partner stated that he had done nothing to remove me from the account. When I went to a branch to try and resolve the issue they said that they could not fix the problem there and that they had to call on the phone. After over an hour of discussion they told me that my partner had filled out a change of address form and that was the reason I was removed from the account. They stated that the change of address form had the effect of removing me from the account. My partner only wanted to change our business address and was clear about this when he filled out the form. He was not told that this would affect all partners on the account and there was no mention of removing a partner 's access to the account by simply changing the address. Furthermore, from what they told me there is no way for one partner to change the address on an account without removing a partner 's access unless that partner is present and signs the address change. Changing an address should not have this effect and this is a very stupid thing that caused a lot of unnecessary trouble. I think that it is wrong that this happened, but the big issue I have is that they are very weak in resolving the problem. It took almost an hour for them to tell me why it happened and they seem as clueless as I am about what is going on. They are mishandling my account and are not providing the service that I was told I could expect when I opened the account. There seems to be no accountability for this problem and I feel they need to be reported for negligence and inappropriate conduct with accounts. They also misrepresented what the effect of the change of address form would be when my partner signed it. He was under the impression that it would simply update our mailing address. There was no mention of removing me as a partner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: Bailey Automotive Finance Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX buy here pay here in XXXX XXXX. According to there web -page application process they advertise Helping people rebuilding their credit. Not so, when asked if they report to the Credit Bureau I was advise no. Why advertise this This is deceptive and Abusive practice to customers who want a chance at rebuilding their credit No I have n't been on time, but let me believe is wrong. I want a refund of The payments I have made so I can work with honest people that wo n't lie tour To me. I would have never found this out if I had n't pulled my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-25
Company: FX Quick Cash, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My daughter is extremely ill and this business has been notified. They have been informed numerous times about this. They have disclosed her personal information, called her cell phone numerous times ( as her family is in possession of it at this time ), stated she has a " claim '' etc. I have filed a complaint with the XXXX the Federal Trade Commission, and now your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: ALLY FINANCIAL INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
ON Saturday XX/XX/2020 I agreed to purchase a truck from XXXX. She has an account with Ally Financial who hold the title for the truck ( XXXX XXXX XXXX. The truck had a payoff as of XX/XX/2020 of {$7500.00}. On XX/XX/ XXXX and I sent a cahiers check to Ally financial via XXXX XXXX for that exact amount with a letter directing Ally to send the title to XXXX XXXX/ XXXX and my address. On a phone call with Ally on XX/XX/XXXX we were told that getting the title would take about 3 weeks and we should include a letter directing them what to do with the title. It has now been over six weeks and Ally has not sent the title even though Ally sent a text indicating they were processing the title/lien release on XX/XX/2020.

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