BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to hardships, was unable to make the XXXX XXXX payment of XXXX to Chase bank. Applied for a modification. 3 1/2 years later, I finally get XXXX where the " trial Payments '' of XXXX are expected and XXXX is due on XXXX XXXX. 

Ridiculous. 
1 ) Why the 3 1/2 year wait for the mortgage company to perform? 
... and yet ... 
2 XXXX I only have 30 days to perform? 
further, who makes these crazy underwriting decision?? 
3 ) how come during the mediation process here in Delaware, I am only just finding out that my loan was really thru the XXXX and that Chase Bank was the " agent '' bank and I originally thought back in XXXX that my loan was only thru Chase bank? Sounds shady. 
4 XXXX Why were these docs asking for monthly payments of XXXX not sent certified mail? No ... .they were sent to me regular mail! Would I have been still been held accountable if I had never got them?? 
5 ) What is even more crazy is that I received a " modification '' on my loan back in XXXX. But I know this was n't really a " modification '' ... this was really a forbearance. Why? Chase wanted XXXX just drop my very original payment from XXXX to XXXX! I was laid off in XXXX and again in XXXX and my payment only dropped by XXXX if they received a whopping sum of XXXX dollars?!! Unbelievable. 

6 ) I also want to know why the original loan amount on the loan was roughly XXXX when, after some research, I discover that this newly built home in XXXX was sold to someone else for only XXXX, but some unknown reason ... .they original buyers back out of the loan. How did the balance go from XXXX to XXXX? 


7 ) WHAT ARE THE TERMS OF MY LOAN AFTER MY " TRIAL PERIOD '' IS SUCCESSFULLY COMPLETED? WHAT HAPPENS AFTER THE TRIAL. I HAVE NO IDEA WHAT I AM GETTING MYSELF INTO YET AGAIN!!!!!! 

8 XXXX Why am I being told XXXX different things : For example, I hear from everyone, " The bank does n't really want to kick you out of your house. '' Yet, I get paperwork in the mail touting the word " foreclosure '' like it was no big deal to them. Why the XXXX different messages? 

This is my complaint. I deserve clear easy to understand answers. 

I want clear answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.

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 2022-03-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
It is necessary to reopen CFPB XXXX XXXX. : XXXX, as despite several attempts to correct this reporting error, including with CFPB in which each time the credit reporting agency failed to address the issue- the matter remains unresolved. Experian incorrectly calculates the credit card capacity ratio by including the XXXX XXXX XXXX loan, which is a mortgage and not a credit card product. Instead of a 38 % ratio as reported by Experian, the actual ratio should be approximately 5 % as reported by XXXX and XXXX. This correction will add at approximately XXXX pts to the credit score.

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 2022-03-21
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
1. VW Credit refuses to provide me with a payoff quote amount today XX/XX/2022. I went on line & says i have to go to one of their chosen dealers & purchase another V.W to get payoff quote.

2. When calling i get the same response & refusal to provide this basic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit report.

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 2022-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The last 4 of my social security number are XXXX. I did not open a King Size account with XXXX XXXX, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. Portfolio Recovery refuses to delete this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with JPMorgan Chase. My mortgage account number is XXXX. On XXXX XXXX I requested my payoff quote. I paid XXXX XXXX I made a payment for {$960.00}. Which was taken as FEES. The bank was keep calling me for the payment. On XXXX th I again paid another payment for {$1000.00}. Though I did n't owe any money in XXXX. They complained to credit bureau stating I am late. Credit bureau reduced my point. They sent me a refund of {$.00} for the overpayment of the payoff. In fact they are stating I had pay two months extra payment they collected. Obviously my payoff quote is also more amount. Can you please help me to get the right amount refund. If you need any documents I will glad to send fax or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: NV
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:
On my Experian credit report, there is a collection account from XXXX. I have never used nor opened XXXX service in my life. This account belongs to someone else and totally incorrect.

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 2022-07-15
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I received a new CHASE Freedom card in the mail today ( my old one expired ). The card also came with a second card for my mother, XXXX XXXX XXXX, who unbeknownst to me is listed as an XXXX on the account. I think she became an XXXX  because I previously did a credit line transfer from an old CHASE Sapphire card that she was an XXXX on, and her XXXX  status must have transferred over. I called CHASE today to have her removed as the XXXX. She was removed, however the agent could not answer my credit reporting question regarding how the account will report on her credit report. Will CHASE be reporting ECOA code of T and terminating her liability ( thus retaining all info up until the point of removal )? Or ECOA of Z to delete the tradeline altogether? The phone rep didn't understand and continued to state that CB reporting would continue for the XXXX, which doesn't make any sense - I wouldn't expect a J segment to continue reporting if I requested her to be removed off of the account. 

Can someone please explain to me whether the tradeline is deleted ( Z ) or liability terminated ( T ) when an XXXX is removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Byrider Franchising, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The car is engine is out. 
Due to negative equity and low value on the vehicle unable to trade the car in. 
Requesting to have some assistance with this issue. The car no longer runs and I am wanting to know how to have this resolved to be finished with this contract as quickly as possible. I am being harassed daily about payment on a vehicle that no longer runs and I've had towed several times which still has a balance due to the over financing of the car and them rolling over previous loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, someone fraudulently tried to open a credit card in my name at Capital One, which I do have an existing customer relationship with. I was alerted both by a personal phone call by Capital One Fraud Dept, and by XXXX XXXX ( which detected a new credit inquiry on my XXXX credit report ). Capital One denied the credit card request. 

My XXXX credit report revealed that an old address of mine had been supplied, along with a hone number never belonging to me : XXXX. My quick internet searches list that as a XXXX, WA number, but XXXX identifies associations with XXXX ( XXXX ) domain and a XXXX with XXXX ( XXXX ) domain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX XXXX  account number XXXX and XXXX XXXX XXXX  account number XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and XXXX and TransUnion are still reporting the account. Since my last complaint to TransUnion they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.

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 2022-07-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The last 4 of my social security number are XXXX. I did not open a XXXX XXXX account with Comenity Bank, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. XXXX XXXX refuses to delete this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Concord Servicing Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, a consumer, and I am the executor of XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, you have violated the consumer rights of XXXX XXXX XXXX XXXX XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. You also violated 15 U.S.C. 1692f - Collect any interest, fee, charge or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Also taking or threatening to repossess or disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property can not be taken, repossessed or disabled. 

XXXX XXXX, the co-applicant on this file with the original creditor, XXXX XXXX XXXX, passed away in 2021. I need a copy of a definite statement and an audit trail on this file and the forward flow agreement immediately. My aunt XXXX XXXX has been paying on the debt which XXXX XXXX XXXX sold the debt and another company sold it to you and the debt has been paid in full. You, Concord, purchased the debt which is a breach of the Gramm-Leach-Bliley Act since private information has been compromised and was given without our consent. XXXX XXXX did not sign any contract with Concord. There is a lien on the property of XXXX XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXX, the original creditors, and they can not find records of this account. I sent your information to our closing attorney and they rejected your pay off. There was some confusion on the invoice at the bottom stating $ XXXX ; there is no mention of our UCC financing statement and there is also no reference of the property address in question. 

If proper validation of this alleged debt is not provided immediately upon receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

I have attached the following files for your review that states me, XXXX XXXX, being the executor of XXXX XXXX Estate. As a consumer we have a right to ask for an audit trail on this file.

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 2022-03-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a natural person/consume/creditor. On XX/XX/22, I extended credit to Macy 's XXXX XXXX in good faith pursuant to 15USC1691 ( 3 ). Pursuant to 15USC1602 ( l ), a consumer credit transaction was created upon giving my credit card number. This transaction did not benefit me as the consumer according to 15USC1602 ( p ). The customer associate gave me a record of transaction stating that I'd receive a letter in the mail from Macy 's credit department about my application.

Imagine the hurt and disappointment I felt walking away from that customer service counter, especially with others being witness to this transaction. It was utterly humiliating. I extended credit in good faith that I'd receive credit, because the law clearly states only twXXXX reasons for denial : insurance and employment. This transaction did not involve either. I was in a bout of depression all weekend. 

On XX/XX/22, communication of adverse action came in the mail from Macy 's. The denial was for number of credit burea inquiries based in whole or part on information obtained from XXXX. I did not extend my credit to XXXX ; I extended my credit to Macy 's. I never gave written consent for these parties to share my personal information. 

Macy 's blatant disregard for my rights and their boldness to break the law has resulted in this complaint.

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 2022-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I sent a letter to Portfolio Recovery Associates , LLC ( XXXX ) formally disputing an alleged debt, by requesting validation made pursuant to The Fair Debt Collection Practices Act and The Fair Credit Reporting Act, that is competent evidence bearing my signature showing I had or ever had a contractual obligation to pay Portfolio Recovery Associates , LLC. 
On XX/XX/2022 PRA signed for my certified letter, and responded by sending a print out of an unknown bill, failing to provide the requested information by law with my signature. 
On XX/XX/2022 I responded to PRA with a second letter of dispute, again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Portfolio Recovery Associates , LLC. On or around XXXX PRA sent the same unknown bill, again failing to provide the requested information by law with my signature thus violating ( including but not limited to ) FDCPA Section 809 ( B ) FTC opinion letter Cass from XXXX. Portfolio Recovery Associates , LLC is in violation of Federal law and needs to remove the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went in to Chase Bank in XXXX / XXXX to open up a business account. The next day, the individual who helped me sent me an email and a text message asking me out. I find this very unprofessional and a breach of data. I am not comfortable going back the bank with this employee still there. I had a friend of mine go to the branch and address this with the branch manager and he was sent a copy of the text and email. When he went back in to the branch and spoke with the manager for an update, he said he informed HR of the incident. I asked if the individual is still employed there and he responded, YES. I ca n't imagine how many others this has happened to where employees are using customers phone # s, emails, etc. and asking them out, using their info for other purposes than banking operations, etc. I can not believe that a company of Chase 's stature allows this to happen and continues to employee this individual. I will be closing all my accounts with Chase. I will also notify others and recommend that they do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Santander Consumer USA on XXXX, XXXX, 2022 repossessed my car without notice or warning. My current address is XXXX XXXX XXXX XXXX. Inside the car was personal information and property that belongs to me. I also have reason to believe with a UCC Lien search that Santander does not have a lien on the property. Therefore Santander consumer USA stole my property without giving notice of any kind to the owner. The public was made known of the ownership of the vehicle. In the event that this was a mistake or misunderstanding, I am making a good faith effort to rightfully reclaim my property. Any items or information compromised due to the negligence of Santander will be repaid and returned to me. I have made several attempts to call and communicate with Santander. Please see Florida statutes 537.012 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NJ
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXX2021, XXXX 2021, 60 days in XX/XX/XXXX 2021, Jan 2022, 30 days in XX/XX/XXXX2022, and XX/XX/XXXX2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i was affected by trans-union taking inquiries off my credit report and not notifying me properly and would like to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I hace contacted Synchrony, who manages the Amazon Store Card, 3 times to address the miss-allocation of payments to deferred interest charges BEFORE the regular balance that is being charged interest. The first two times, they admitted the error, re-allocated the payments, and refunded the interest. The last time, which was on XX/XX/XXXX, the customer service agent acknowledge no wrong-doing and that they could not refund the interest that was charged due to allocating my payment to charges with deferred interest instead of the regular balance. This has gone on for months now. Synchrony refused to address the issue, which as I understand it, violates the Credit CARD Act of 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 explanation