BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX XXXX against are are my children. As white counterparts have a higher credit score and even immigrants I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through XXXX XXXX I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX  this is only due to XXXX XXXX yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.

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 2019-08-16
Company: Bread Financial Holdings, 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:
My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with XXXX, and Comenity/XXXX reiterated the 30-day late payment. I also find I was charged XXXX XXXX XXXX   on my account which I never signed up for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NM
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: Problem with personal statement of dispute

Complaint:
I had amazing credit until recently when XXXX reported that I was past due on my payment some time in XX/XX/XXXX '. When I received an alert saying my credit score had dropped I was dumbfounded to learn that my car loan company was claiming I had not made a payment in two months. Upon checking my account through their app I learned my scheduled payments were no longer being applied for reasons even they could not explain so in XX/XX/XXXX ' I promptly brought my account current and while disappoint it had negatively impacted my credit score I assumed responsibility and made sure my correct card info was there and that I'd get alerts should parents not post going forward. Well it happened again for XXXX. To summarize I'm paying my car note from the same account I've been paying from for the last year and despite the funds being fully available and them confirming per their app payment was posted only for several days later to be returned unpayed without any notice or attempts at contacting me either by phone or even an automated alert to which I'm signed up for leaving me to not see this until I am paying the following month. When I contacted XXXX to gain insight on the matter ( sidenote : I had also been having concerns due to the fact I'd been receiving notices someone accessed my account with my login info when I had not logged in myself ) the representative admitted they had been having issues with alerts and could not give me a reason why they were not sending any email or calls about it and that I'd have to dispute the late payment reported on credit. Well I did dispute the first one and didn't get a clear reason why it hadn't been removed. I'm currently trying to buy my first house and obviously this should be detrimental to the ability to qualify for a loan to do so which has already been a struggle for other reason I'm dispute on another claim. It's clear from my bank statement the funds were available to make the payments and recording from XXXX acknowledging them being unsure why it didn't go through either and the representative inability to remove the late payment status as well.

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 2017-02-27
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home mortgage has been with JP Morgan Chase since XX/XX/XXXX. In XX/XX/XXXX I started trying to modify my loan. Chase told me I needed to be behind in my payments & were willing to let me miss my XX/XX/XXXX payment. Again in XX/XX/XXXX they told me to skip a payment. They lowered my payment and told me they would tack on the missed payments to the end of my loan. For 6 months I paid the required payment on time or early, then in XX/XX/XXXX I got a 2 week notice that they had sold my mortgage to XXXX. This company claims I missed my XX/XX/XXXX & XX/XX/XXXX payments to them ( I 'd never heard of them in XX/XX/XXXX or XX/XX/XXXX ) and they demanded I pay XXXX, plus my XXXX payment before XX/XX/XXXX or they are going to foreclose. I have made several attempts to contact Chase, mail, e-mail, phone, they act like I never existed, I even tried to refinance with a local company to get away from XXXX as they have over XXXX complaints & several lawsuits against them, but since I now have 2 missed mortgage payments on my credit report I ca n't refinance either!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I was improperly charged for an XXXX XXXX flight from XXXX to XXXX on XX/XX/2017. On XX/XX/XXXX I purchased a ticket, ( XXXX XXXX ) for {$240.00}. When I arrived at the airport on XX/XX/XXXX the airline agent mistakenly informed me that I did not have a reservation. They informed me that my only option was to purchase a new ticket, ( AA XXXX ) for an additional cost of {$360.00}. On returning home, I found that XXXX tickets had been changed to my XXXX and paid to XXXX XXXX. Although the XXXX ticket was purchased under duress and fraudulent circumstances the XXXX agent would not process my request to stop/recover payment stating that I could recover only the {$240.00} cost of the original ticket. Thus the airline and XXXX profit from their error and I am being compelled to pay the extra cost as well as suffer the inconvenience of a 5-hour delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
There is a collection account reporting to my credit that I do not recognize. I have tried resolving and disputing this with the collection agency several times. I requested information from them that they did not provide, I asked them to validate this account and now they have not responded to my request which is against the FCRA. Since they can not validate they need to remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Please review complaint number XXXX XXXX and this is a 2nd complaint on Chase Manhattan Bank. No phone call responses at all from them. 
I spoke to XXXX at CFPB on XX/XX/2015 to the response that Chase gave. It is all untrue as see it. 
Chase said they gave me this promissory note the day I opened the loan. False never did. This is not given to the consumer till the loan is paid off. 
They are not reading my first complaint very carefully. Dodging the real facts. The girl they stated did not make a mistake. False, she would not give me any papers. Said the keep everything. I did not agreed to that note for, XXXX, I never seen. 
Again, they did not read the first complaint paper I wrote. Again dodging the facts. 
If Chase does n't make mistakes that needs to be looked into. 
Then I asked for a calculation on how the loan amount is figured out. 
Again, they dodged by not explaining in a breakdown, because there is an error. 
Then to explain I never put something extra in the loan to increase it. 
Again they created something for they are avoiding the fact. 
Nothing they have wrote is matching m letter or even to provided an explanation to all the paper work that I have provided CFPB. That PROMISSARY NOTE was accidently given to me by Chase bank in XXXX, N.Y. when they called corporate and corporate accidently gave it to them. No one sees this till the loan is finish. That 's when I noticed an xas annually, not fixed. They are not following anything under their supposedly guide linesby giving me XXXX different rates, XXXX different amounts, and XXXX different pay off time. Al these papers I sent from are from Chase. 
They are dodging from the real mistake they did and truth. 
Everyone makes mistakes Chase, and the are changing all the wording around. And Facts. 
I do advise that no one should open a loan with Chase who has hidden all this from a consumer. I was taking for a ride. They have n't answered anything in regards to my complaint. MMMMMMMM? 
Asked that Consumer Finance do research this deeper. by reviewing my documentsand their response more carefully. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my car off XXXX XXXX with an overpayment of {$600.00}. Westlake financial services is refusing to send me the overpayment check. I have called and asked for it to be expedited and I am not getting any resolution at all. One manager XXXX XXXX said it would be done but the check was never sent. No where in there contract states there is a 22 business day waiting period for overpayments on payoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX made a large payment to Chase {$95000.00} on my home mortgage loan. When I received the statement from Chase for my XX/XX/XXXX payment I immediately noticed that all of the figures were wrong. In the past when I made more than the minimum payment it was always applied to the principal. This time my payment was divided up into XXXX parts and not all of it was applied to my loan. I do not understand why the amount in excess of my required payment was not applied to the principal this time. I contacted Chase and they could not explain why it was not applied and why some of the money was put into an unapplied fund and why most of these figures are wrong. I went to a Chase bank in XXXX and they printed out the transaction history for me, but they could not explain why this money was handled so strangely. They did not know anything about an unapplied fund. In the transaction history the figures in the third row down from the top shows a payment on XX/XX/2016 of XXXX, however the figures in the rest of that row do not add up to that amount and I did not make that payment. Nobody at Chase has been able to explain why these figures do not add up as they should and why my payment was divided up into differenet payments. In the XXXX XXXX section of my XX/XX/XXXX statement show an unpaid balance of {$950.00} that is in error and an Unapplied Balance that is not suppose to exist. In the Past Payments Breakdown section the amount paid is wrong which causes the rest of the figures to be in error also. in the Explanation of Amount Due section the principal amount is in error as is most of the figures on this statement. I called Chase and called their attention to the errors and requested a corrected statement with the correct amount due on the principal. They admitted that the figures are all in error, but refused to issue a corrected statement. I need to know the correct amount owed on this account and how much I need to pay for my XX/XX/XXXX payment. Enclosed are copies of the Transaction History, XX/XX/XXXX Loan Statement, and XX/XX/XXXX Loan Statement.

Company response to consumer: Closed
Consumer complaint received 2022-08-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was job hunting and I came across XXXX Before then I had no idea the site had job openings but since I was a bit desperate I decided to see what they had to offer. I found this once active posting in XXXX as a " payroll specialist '' for XXXX, one of the rental car companies. As you can see it's not visible anymore. So I read it, sent an email to the one on file, attached my resume and waited if I would get a response. I didn't know it was the job was from XXXX at first until they answered back. Not even 3 days later and they replied back. There was no interview, no nothing. I pretty much got the job off my resume - strike one. The name of manager/supervisor or whatever the heck she was supposed to be was XXXX and XXXX, this woman lacked privacy in all sense of the word. She would call and/or text me throughout all parts of the day, almost 7 days a week, telling me I should do this or that. Even after I told her numerous that I was busy or couldn't answer the phone she would either call again or rush me through text if I didn't respond quick enough, pretty much harassing me. That should have been strike two. Over time they asked for my ( former ) bank information and said they would send me paperwork through the mail but I never received it. Keep in my I said former but I will get to that later. In early XXXX, my grandfather passed away unexpectedly and that devastated my whole family. I should stepped back from the so-called " job '' and focused more on my actions my family needed to take going forward. Instead they insisted that I download numerous apps such as XXXX, XXXX and create accounts to prepare me for sending funds to staff - or so I thought. 

I know this was a huge red flag when they told me to send {$11000.00} via wire transfer to a fellow employee. It was {$5000.00} at first then an additional {$6000.00} days after which was pretty much what I had from my savings account.Then they also took over {$900.00} to put into XXXX without my consent. They claimed it was a payment to the staff, I uploaded the email below. Something in my head told me this didn't feel right and I should have listened to my instincts but I didn't, so I sent the money, regretting it instantly. Strike three. They promised they would give me my money back but long story short, I was foolish to deposit a fraudulent check into my bank to dispense among staff, resulting in my account to be shut down due to suspicious behavior. They also caused a restriction on my credit card buy using my login info for buying several gift cards and other products without my consent or knowledge and trying to pay off my balance from a bank that is most likely fraudulent as well, giving off red flags once again.

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 2019-08-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have American Express Platinum credit card. This XX/XX/XXXX, American Express representative put an retention offer to my card without my request or permission at all. Then yesterday I called Americas Express to request a retention offer, because all my friends with American Express Platinum card have recently received a retention offer of either $XXXX statement credit or XXXX membership rewards points without any purchase requirement. However, very surprisingly I was told that I am not qualified for this retention offer because I was given a retention offer in XX/XX/XXXX. However, I never requested or accepted a retention offer in XX/XX/XXXX.Apparently American Express customer service representative put an offer in my account in XX/XX/XXXX but this offer never became effective. However, now I was incorrectly declined by American Express for the currently available retention offer that every other customer is getting from American Express. It is totally unfair to me. I feel that American Express put a trap in my card and use it as an excuse to decline the retention offer that is common available to every single card holder now.I request American Express to honor the current retention offer of either $XXXX  credit or XXXX   membership rewards points immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Avant Credit Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am a XXXX XXXX veteran and have been called to XXXX XXXX with the XXXX XXXX XXXX for a period of at least six months. Because this period of XXXX XXXX will exceed 30 days, I contacted all financial institutions I have credit accounts with to request my protections under the XXXX XXXX XXXX XXXX. I had no problem receiving these protections from any financial institution I do business with, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. Avant gave me constant pushback about my documentation. I provided exactly what the XXXX provided me, letting me know I report for XXXX XXXX to XXXX XXXX on XX/XX/2021 through at least XX/XX/2021 and then to XXXX XXXX after that. I provided my XXXX ID. XXXX constantly wouldn't answer my requests for days and then would send canned responses saying my documentation straight from the XXXX is not good enough, even though it clearly states exactly when I am to report and for what reasons. I have never been treated like this by another financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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:
These accounts are not mine. Also, there is an address in which I have never lived there.

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 2020-03-12
Company: EQUIFAX, 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:
These accounts are not mine. Also, there is an address in which I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have accounts that are not reporting correctly, they are charge offs and late paymenst and accounts I do not recongnize to be mine see letter of explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom it may concern I XXXX XXXX XXXX XXXX is very very upset, that chase has temporarily shut my debit card down and I ca n't access my own money to make payments I have automated payments that where already schedule to come out of my checking account but I have no funds because they froze it it 's been 2 days and chase is still thinking that I had stolen that personal check. That check was given by a friend that I consider my own family and I do n't seem was the issue with it it has already process and the balance is there already but they are not letting me use my debit card or bank account until they verify that the check was really given to me by XXXX XXXX this is very frustrating I never been treated like this like a thief and humiliated by chase. They stated that it 's their job and that they need time to verify that check. I do n't have time it 's obvious that if he gave me a check and I deposited thru the atm machine. This is a humiliation to me it 's the first time this happens to me and I feel anger and humiliated, rejected, I 'm thinking about closing my account because of this unprofessional matter, I am in debt and there will be fees assess by me not giving my payment on time, such as late fees and more. I do n't have to pay this late fees it 's chase fault for taking long and for thinking that I am a thief and that I stole that check

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been harassed by chase bank since XX/XX/XXXX on a {$1000.00} debt that I do not owe! I tried to resolve their mistake in XX/XX/XXXX with suprv. XXXX # XXXX, who I finally gave her the last XXXX digits of my s.s. #, she apologized, & claimed I would not be bothered again.On XXXX/XXXX/15 I got another call on this same issue I explained they have the wrong XXXX XXXX, I have no debt ( home, cars are all paid for I have an XXXX fico score ), I am XXXX w/ a XXXX awaiting XXXX, & I do not need this stress from Chase bank, who claims they are calling on behalf of Best buy. Can someone help me to resolve this harassment/stress. thank you XXXX XXXX

Company response to consumer: Closed with explanation