BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 consumer XXXX, am submitting a complaint against company Portfolio Recovery for violation of federal law 15 USC 1692g repeatedly. I requested a validation of debt and cease and desist all communications in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time they responded they only provided 1 and 2 of the 5 requirements of the law. The company may be able to claim that have the right to receive payment of the balance but they absolutely have no right to report such negative items on my consumer reports. I never gave them written consent to report anything on my consumer reports. Also, by continuing to report these negative remarks on my consumer reports they are violating my request for cease and desist by indirectly communicating these alleged accounts on my consumer report. I am requesting that the company Portfolio Recover immediately delete such reporting off my consumer reports. Below it clearly states what the laws says is required to properly validate an alleged debt. 
( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/2020 credit acceptance finance stating I owe XXXX. It should not be this amount due to my car was paid off in a car accident in a finance company is still trying to charge me the interest rate for the next several years. Because it paid off before the years the contract ended.I should not be charged the interest rate.

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 2015-06-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase reduced my credit line from $XXXX to $XXXX, even though the balance on the account was only $XXXX.  I have been a customer for a decade and have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XXXX, around XX/XX/, I got a notification from XXXX XXXX that there was a new collection reporting on my credit bureaus. So, when I went ahead to check XXXX XXXX it showed on both my XXXX  and XXXX  reports that there was one derogatory mark from a collection agency. After further research I discovered that XXXX XXXX XXXX, XXXX had put the collection amount for {$1000.00} onto my report and showed the original creditor 's name as XXXX XXXX XXXX XXXX. In addition, it also showed the first date of delinquency as XX/XX/2013. I have no recollection of ever obtaining a Payday loan in the year of XX/XX/2013 or earlier. This was a surprise to me and I knew that there was definitely a mistake. I reached out to the phone number that was provided for the collection agency. I was able to get in touch with a gentleman ; I don't recollect his name, who asked for my Social Security number but, I refused to give it, for security reasons. I provided my full name and Date of Birth and they were able to pull my information. I requested an explanation of what this debt was and where it was coming from. He simply stated that it was a Payday loan that I had taken in XX/XX/2013 and if I had a credit card and was ready to pay. I tried to obtain more information on who the original company was, which he refused and said that I could look it up on line and that this was the debt that I owed. I requested documents to be sent to me as proof that I owed this debt and to show my signature or information to support. He refused and got rude and demanded I pay right away. He hung up on me when I tried to get more information and explain that this was not my debt and I have no Idea of what it was ; what the Payday loan was.

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 2022-04-08
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX at XXXX XXXX keeps attempting to collect a debt from me when I never signed a lease for their property. I was listed on someone's application but never proceeded with the lease yet I'm being charged as a joint lease account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Other

Complaint:
1 ) Chase Sapphire posted a {$95.00} " Annual Fee '' to my card statement for the first time ever in XXXX XXXX. 
2 ) After checking last XXXX 's ( XX/XX/XXXX ) statement and seeing there was no such fee I called Chase and asked about the Annual Fee. The rep told me that Chase had sent out a letter in XX/XX/XXXX informing me that my Chase Sapphire account would change to a Chase Sapphire Preferred account and outlining the new card service agreement. Though I have no recollection of this letter it may have arrived two years ago, I ca n't say with certainty. 
3 ) Chase rep stated that there was no " Annual Fee '' posted in XX/XX/XXXX because they were migrating to the new card, but that at the current time the fee is valid. 
4 ) I informed the Chase rep that I have no other cards with an Annual Fee and I would like to find a way to remove this fee. Rep said he could change the card from Chase Sapphire Preferred to Chase Sapphire, same number, same APR, new expiration etc. After listing the benefits of the preferred card I declined and the Rep very helpfully proceeded to process the change to the no-fee Sapphire card while we were on the phone together. 
5 ) Regarding the Annual Fee. I asked him to confirm that the {$95.00} fee would be removed, and the Rep said XXXX things that alarmed me and are prompted me to complete this report : 1 ) The fee would be " pro-rated back to me '' ( no " credited back '', no clear explanation about what this meant ) and, more importantly ; 2 ) that the {$95.00} annual fee itself would not be credited back for another 1-3 billing cycles. I asked the rep why he could n't remove the fee immediately since I had changed the card type to one without an Annual Fee. There was no satisfactory answer to this question. I then told the Rep I was carrying a balance on this card, so would n't it follow that I 'd be paying interest on this {$95.00} for some unconfirmed number of months - 1, 2 or 3 months - that would carry from one card type to the new card type where the fee was not part of the agreement, and that if this was the case would n't there then be some XXXX people paying a small interest-related fee on something that should be removed at the time of the transaction? I did not after all initiate the original switch to the Chase Sapphire Preferred card, it was something that was initiated by Chase without my involvement or desire to do so. The rep was unable to answer this question as well and I realized then I needed to take it to another venue, it had triggered an alarm large enough for me to call the CT state 's attorney general office for the first time in my life. CT AG office referred me to the BCFP because at a state level their hands are tied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information presented to me about my credit score by  XXXX   XXXX  Sales Consultant,  XXXX   XXXX ,  XXXX   XXXX   MD.    Indicated my score was  XXXX . He said, '' It is almost  XXXX  that is pretty good. I accepted that the information was correct.   I subsequently pulled my credit report from all  XXXX  reporting agencies. All scores were above  XXXX ,  XXXX  was  XXXX .   I called to complain to  XXXX   XXXX   XXXX  about the disparity in the reporting to me about my score and credit rating. They insisted that the score they got was from Equifax. My score on the report I received from Equifax was  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: AAA Auto Title Loans, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Well I took a small loan before covid, then when covid hit I had focus on primary stuff. Now I'm trying pay off debt and I'm seeing cash1 spike the payoff balance for almost XXXX when I only took out XXXX and this debt is two years old

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, Equifax and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was looking at my bank statements and I saw on XX/XX/XXXX I had an unauthorized charge of {$1000.00} taken from my checking account on XXXX. I called chase which is my bank to dispute the transaction and they told me they couldnt do anything and to call XXXX so I then called XXXX and they told me I had to call my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have  XXXX  Bank of America credit cards and had some problems in the past that warranted the increase in interest rate. But since then, about three years now, my status has changed and not only do I pay on time, I have not missed a payment and in most cases have exceeded the minimum payment. After a long period of time decided to call the Bank of America to inquire if the interest rate can be reduced, I was told that on my account there a note stating that the interest rate can not be reduced.   As I stated that my situation has changed from the past problems and my payment activities for the past three years proves it, why ca n't my interest rate can not be adjusted??   I have another credit card that on their own about a year ago did reduce my interest rate without my having to ask them. If they did that, why ca n't Bank of America do the same? Why do keep punishing me for thing that happened in the past? Do they not think that circumstances change over time?   Please look into this complaint and advice me how I can resolve it.   Thank you for your assistance.

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 2016-09-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
During the week of XXXX XXXX, I received a bill from Chase Bank for XXXX XXXX XXXX which I never ordered. The account number was mine, I closed this account approximately 6 years ago. The original amount was {$94.00} but with late fees it is {$190.00}, and it was purchased XXXX/XXXX/16. They have since closed this account and I 'm sure it is on my credit report which has been spotless. They also stated that e-mails had been sent. I did purchased XXXX XXXX but that was years ago. The email address was formerly mine. I have n't had this email for several years. This was the first, the statement that I knew about this. They were willing to drop the late fees and if I would pay XXXX I would be in good standing with them. I told them I will not pay. I talked to the credit card company and talked to fraud, and it was being referred to Investigation and Recovery. They will not allow me to dispute because the charge was in XXXX. I have heard of other fraud, but the fact that this has been from an account that I closed long ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JPMorgan Chase is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to JPMorgan Chase including the XXXX Certification, XXXX XXXX and Occupancy Certification form. I have not received the full extinguishment as promised by JPMorgan Chase and have been waiting for two years. 
Under the Second Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program XXXX XXXX XXXX, a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
My first lien XXXX XXXX # XXXX ) was modified under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX XXXX Modification requirements. When a borrower 's first lien is modified under the XXXX XXXX Modification requirements and the first lien satisfies the XXXX eligibility criteria. 
Moreover, I was further told by JPMorgan Chase that through the extinguishment program, they would report to the major credit bureaus that the my second lien mortgage would show " paid and closed '' and reflect a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
A more extensive description is in the attached Word document. In short Chase Bank discriminated against me, a XXXX individual, by refusing to consider the cost and added value of the conversion needed to make a regular minivan XXXX since they claimed they could not verify the value of the vehicle because it was not listed XXXX, although there are numerous other sources on the internet to determine the fair value of these vehicles. They offered me significantly less than the amount I asked for at nearly twice the interest rate even though my credit score is over XXXX and I have many accounts with them. 

I spoke to many individuals at the bank who refused to budge on this policy that would only recognize the value of the vehicle as a regular, versus XXXX vehicle. I spoke to both the underwriter and personnel at their corporate office ( see attachments XXXX. It should be noted that after a very brief discussion with XXXX XXXX XXXX XXXX, I was given a loan for the full amount requested at a lower rate than Chase 's best rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Consumer Portfolio Services, 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: Account information incorrect

Complaint:
On XX/XX/22 Consumer Portfolio Svc placed a report on my credit stating Im over 30 days past due in the amount of XXXX and thats incorrect. At the time of reporting I was only a week late. I attempted to contact the company but I was transferred to different people and placed on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance is my loan company. I made a payment of {$1000.00} on XXXX and wanted it applied to principal only, aside from my payment that was due on XX/XX/30, that was paid on time as well. I called on XXXX to make another {$1000.00} payment and again asked for it to be applied to principal only, again, aside from my regular payment due on XX/XX/30. This finance company refuses to take my additional payments and post to principal only. They say they are obligated to take this as a regular payment and only a portion with be applied to principal just as the regular payments are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I have a Fidelity XXXX card issued by FIA. I have XXXX issues. 1. When I originally applied to the card, I was responding to an offer that promised a {$100.00} cash bonus upon approval of the application. I never received the account opening bonus. XXXX. The card has a 2 % cash back program ... the cash is deposited into my linked Fidelity XXXX account monthly ... .which has been working flawlessly except there was no deposit for the month of XXXX. I have dispute the points/cash back calculation with FIA but got a letter saying the calculation was accurate ... which is not possible because I have made purchases every single month ... .in other words, there was no month since I 've opened the account where the balance was {$0.00} and I should not have received cash back XXXX. I recently received a credit from a merchant ... .this was a refund against a purchase made on a different card which is now closed so I opted to receive the refund on my FIA card ... .but this has offset cash back points. This should not have happened as it is not a refund of a transaction that was originally made on this account but rather essentially a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation