BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have an auto lease with JP Morgan Chase Auto Finance, and there have been numerous issues now with the lease process, starting with a defective vehicle and it ultimately being replaced 1.5 years into the 39 month lease. 

Towards the end of the lease ( last few months ), the vehicle was involved in an accident. XXXX said they would cover the full extent of the damage. I then went to an auto body shop and several others, who stated that the parts would not be able to arrive for months to come. 

I returned the vehicle to the dealership, since it would be unusable until fixed, but by then the lease would be up. I explained to them the situation, and they accepted the vehicle from me. Months later, I get a call from Chase asking why I haven't been making monthly payments. I stated that I returned the car to them months back. They did not have ANY RECORD of receiving the car. They then proceeded to tell me that I would be responsible for the full value of the car ( $ XXXX ) since they didn't have it. Weeks went by, and then another call came in saying that they were going to move forward with litigation since no one had the car, aka accusing me of keeping the car. 

Finally, a body shop calls and says " Is this your XXXX XXXX? It was sent here from a XXXX / Chase / XXXX and it's just sitting here. 

After they found it, they said that everything is all set, and apologized for everything. 

Months later, they're now calling me weekly to say the collections process is ongoing, that I owe $ XXXX to them. I have never received any notices, mailers, final bills, or anything despite me asking for it. I stated that this is a violation of the CFPB protection regulations, to which they did not care and said the collection efforts would continue. Despite stating clearly that I dispute the validity of this debt, they continue to call and attempt to collect. I have recorded these calls with their supervisor as well, and can provide them as needed. 

I will take legal action on the offensive, should I be contacted again and this matter not dropped dead here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
**This is a complaint about NAVIENT loan services** *I 'm not sure what type of loan I have ( Federal or Private ). Every time I spoke with someone from NAVIENT, I was given a different answer. 
*I have been denied income-driven payment methods for the past year. I was always re-directed to the forbearance option each time I talk to a representative. *Forbearance DOES remove the need to make monthly payments, HOWEVER it increases my interest, making my overall payment HIGHER. 
*In order to even talk to a representative about income-driven payments, they had both myself & my cosigner fill out financial statements ... Each of us were forced to fill one out AT LEAST 5 TIMES!! Apparently they do not save this type of information on your account?? 
*One time while filling out a financial statement, one NAVIENT customer service representative accused me of lying about not being able to make my $ XXXX monthly payments by saying " sometimes people CAN pay but they just DO N'T WANT TO. '' *On numerous occasions, I HAVE filed for forbearance, and the next day they were calling my house wondering where my payment was. Do they have no sense of tracking peoples ' accounts? 
*I find it absolutely frustrating that a company offers income-driven loan payments on their website/in writing but once a customer inquires about the payment option they redirect them to forbearance.. WHICH MAKES YOUR OVERALL PAYMENT EVEN HIGHER!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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: 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They Continue to email, send letters and make phone calls. I paid off the original credit card company ( XXXX XXXX Bank ) back in XXXX of 2021 right before they bough the debt. since then, they have been fraudulently and wrongfully reporting this debt on all three credit bureaus and have failed to provide any kind of evidence of the debt. I have been asking for evidence or verification of the debt for a year now, with no response and now they are threating to re-sell this invalid debt to another collection agency and further harm my credit rating as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Summit AmeriFirst Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Amerifirst finance bought out the loan we used to pay for our windows -the repetitious phone call start the day the payment is due at XXXX until XXXX. Sometimes when I get home, there has been up to 25 calls in one day. I 've been told they can foreclose on our house. This was said for a loan payment that was 13 days late. They also call my husband 's cell phone in-between the calls made to our house. We bought the widows over 10 years ago and most have been broken since the first year but directly after buying them, the company went bankrupt.

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 2020-09-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX  2.XXXX 3.XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX Bank XXXX XXXX XXXX. XXXX XXXX Bank XXXX XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-03
Company: Direct Recovery Services, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Constantly call

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
To Whom It May Concern : I 'm writing this email hopes that one of you can escalate this issue to the right resource within your organization ( Wells Fargo XXXX that can truly help me as I 'm extremely FRUSTRATED with Wells Fargo 's customer service to date and this is my last resort. 

I 've had a terrible experience with Wells Fargo customer service to date, starting back XX/XX/XXXX when I initially put an offer on my home. 

The email below from a Wells Fargo representative is a perfect example of this experience and I 'm reaching out to one of you to help me get this resolved. 

I 'm trying to close on a FHA refinance and the case number in the FHA portal is being held by Wells Fargo. In XXXX of this year I reached out to Wells Fargo to initiate a streamline. Near the close of my transaction Wells Fargo ask me to come out of pocket with over {$2900.00} to close on the loan and this was not something that was communicated to me back in XXXX when I initiated the transaction so I decided at the end of XXXX to cancel my loan with Wells Fargo and go with XXXX Texas XXXX. 

I 'm very frustrated and hoping this issue can be resolved as quickly as possible. 

1. Wells Fargo has delayed transferring my case number to XXXX Mortgage of Texas XXXX, thus causing me unnecessary XXXX and hardship. I 'm writing this email while at work as an example of the inconvenience this has caused me. You can confirm when I started this process in the attached email. 

2. After determining that Wells Fargo would require me to come out of pocket for a FHA Streamline when we were ready to go to doc 's I decided to evaluate my options and now Wells Fargo is yet again holding up my FILE. See attached HUD where I had to come out of pocket for a streamline, when I was told that if I got an appraisal no out of pocket would be required. 

3. When I finally closed on the initial purchase LOAN back XX/XX/XXXX with Wells Fargo after a XXXX month escrow and multiple rate lock extensions charges on my loan, I had to come up with an extra {$2500.00} to close to pay for RATE lock extensions that were not my fault. 
I 'm just a hard working CITIZEN trying to provide and feed his family and these issues have caused a TREMENDOUS amount of XXXX on ME. 

Thank you for taking the time to read this. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started an account with XXXX for a cell phone. Even after i paid the bill and my son transferred the account to his name, they still tried to come after me for almost {$720.00} dollars. Now they have sent the account to collections and a debt collector is coming after me for this debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This loan has a XXXX APR I 'm pay XXXX every two weeks for one year on a XXXX loan I tried paying them off early only to get the run around as if the phone had a bad connection and I tried going online to pay them off and they said I could because I still had two more days before my due date and that I could n't use another debit card to pay off the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm in the process of refinancing my home and Equifax has failed to product my credit report to two different lenders. XXXX  and XXXX did not have any problems.

I was able to get my Equifax free report but lenders, based on their internal policies need to get the report directly from equifax. Without the three bureaus credit reports, the lender can not process my mortgage. 

I contacted Equifax in early XX/XX/2020 and they told me they did not see any issues however two different lenders are not able to get my credit score from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe someone is using my personal mortgage acct/info to reverse my mortgage payments. Now Bank of America is claiming 2 months are owed on my acct and that is false! Here 's similar people/cases : " Well this XXXX is still add it.I 'm glad I found this website becasue I was going crazy! They tried to tell me that if anyone does n't pay by the XXXX that they will call to make arrangements to take your payment over the phone. Well, I 'm never late and it is only the XXXX of the month so I 'm well within my grace period. I went OFF on the lady ( i actually felt bad ) but only becasue my experience with BAC has been so horrible. I went into BAC main office and they verified that this was scam number- they are NOT BAC and my loan was in good standing. There has to be away to block this company up for harassing people- playing with peoples homes is no joke! i called the # back and it says they XXXX and they have all my account info. CREEPY!!!!!!!! '' 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 monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Was told I had to consolidate so not knowing any better I did. This locked new into never being able to have any better options to repay my loan. I made an attempt to get ahead of my loan and the interest payment by being several months ahead of my loan if I miss a payment or if the loan payment is made 30 days after the last payment u get a penalty even though I am 7 months ahead. When I make my payment I try to make it a 21-25 days after the last payment. They take it out of my account but do n't process the payment until to 30 day so that month of accrued intere see that continues. I have tried everything to pay down my loan and nothing is effective. By chance I did discover that the payment they give you in the beginning is well below the actual interest you are being charge so I was able to stay ahead of that. When I would call to find my option they would either tell me I had none.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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 information incorrect

Complaint:
I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX : ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation