BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX. XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX  : ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX : ACCOUNT NUMBER # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Requested mortgage assistance options in XXXX 2015. I am in XXXX Bankruptcy. My Bankruptcy attorney received a letter on XXXX requesting all the information I had previously provided. I contacted the lender, Chase, on XXXX occasions by fax and email the same day I received the letter from my attorney. I received XXXX letters from Chase with XXXX subsequent date commitments to respond that were pushed out each letter. The last date has come and gone, so I called and emailed the Chase representative and have still not received a response. I am 19 months behind on my mortgage and not living in the house, nor can I pay the mortgage. I am willing to relinquish the home, conduct a short sale, or complete a foreclosure. I need the house disposed from my assets before the XXXX is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Situation : I have has couple of Chase bank accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted Chase bank on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then Chase bank will collections called me, I explained the situation they noted the account. Then they sold the debt to XXXX, who seems to be very aggressive. Tried to sue me for all the accounts from Chase. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland XXXX started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then XXXX places to other bureaus. Then I need to complain there and get it removed. XXXX XXXX is like XXXX, once XXXX portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw XXXX only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the one that they are actively reporting after 6 months of re-investigation with no results : 1 ) Balance was positive XXXX 2 ) Charges were XXXX 3 ) In the end i was owning Chase bank XXXX 4 ) XXXX reports and demands for {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: BlueChip Financial
State: WY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out a loan with rise credit in the amount of {$2600.00}. I had made a payment in XXXX and was planning on making my payment when I had another paycheck coming in. After only 60 days Rise Credit underhandedly charged off my account and sold it to a debt collector. I tried calling them and emailing them to set up payments. They refused to take a payment under a non-charged off status. This company illegally and underhandedly sold my debt and collected a profit from selling this to another company by a difference of {$1000.00}. They are doing this to everyone and it needs to stop, profiteering of America and making our debt structure unstable. This has now put a mark on my credit for SEVEN YEARS. They should not be allowed to do business. Their dispute department will not resolve anything and they seem to just want to do things there own way. That is not legal or ethical and I am very upset about this whole thing. I took this loan out and planned on paying it back this year. Now I have to deal with a charge off for SEVEN YEARS and a debt collector calling me. Why should RISE credit be in business and allowed to manipulate people in such a faction? I want answers. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Purchased leased vehicle from Chrysler Capital " CCAP '' on XX/XX/XXXX. Sent the check to XXXX for all fees and payoff amount along with sales tax ( ~ {$1100.00} ), received title from XXXX and tried to purchase tags. No record of taxes paid by XXXX for the title # issued, called XXXX two times, told taxes went to State of OHIO. Went back to Ohio XXXX XXXX times, finally called XXXX for third time and was told there was an error and the check will take up to 45 days for refund. I do not have $ $ 's to pay taxes until i receive the check, primary car and currently do not have tags on the car. Requested expedited check and told I will not receive check for 45 days from payoff date. Not cooperative and no reason for delay in monies, very frustrating situation and currently without a vehicle until I receive funds for taxes. Files complaint with XXXX - Incident # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-04
Company: D.B.M.E., INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had paid {$140.00} to XXXX on XXXX/XXXX/XXXX for usage from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. My last visit to the facility was well before XXXX/XXXX/XXXX. I had emailed XXXX to discontinue my membership and that I have already fulfilled my mandatory XXXX agreement of staying on as a member to avoid early termination fees. I entered into a year contract from XXXX of XXXX. I know for a fact that XXXX has a record of my attendance, and that my last checked-in usage of the facility was before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I received a letter from Dutchess Adjustment Bureau, from XXXX XXXX a debt collector ), as noted in the letter. It says that unless I notify this office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If I notify this office in writing within 30 days from receiving this notice, this office will : obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification. If I request this office in writing within 30 days after receiving this notice, this office will provide me with the name and address of the original creditor, if different from the current creditor. 

I have no idea what this means and they are trying to collect a balance of {$280.00}. Please advise on how I should proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Disputed XXXX incorrect collection accounts, XXXX and XXXX, and requested the erroneous accounts be removed. Credit Bureau has not removed accounts.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: MD
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} FCO ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Rewards

Complaint:
Chase XXXX XXXX XXXX offered a Rewards special over the XXXX XXXX in which they would offer XXXX 's reward points for home improvement purchases within a specific time period for up to {$10000.00}. I made home improvement purchases within the specified time period as follows : {$220000.00} on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, {$2100.00} on XXXX/XXXX/XXXX, {$4300.00} XXXX/XXXX/XXXX. The purchases for XXXX and XXXX are concert work and I used convenience checks. I was told because I used convenience checks they did n't qualify after the purchases were made. There were no disclosure telling me this prior to use or I would have just used my card to earn the points. My statement also says a cash adv. was taken during the month of XXXX statement, for {$340.00} and I was charged {$4.00} in interest and {$430.00} on XXXX/XXXX/XXXX. I never taken a cash advance on any card! The purchase of XXXX on XXXX was made with via credit card over the phone. The purchase of XXXX and XXXX were made via convenience check and immediately paid off that same month. After the appropriate reward point credits did n't appear on my account after 6-8 weeks I called Chase ( approximately XXXX XXXX. ) and the Rep. stated the purchases should have qualified and she was n't sure why they were n't credited but that she thought the promo was only for XXXX points ( this is inaccurate ). She stated she would forward my account to the Reward team for research. I think received a letter a week or XXXX later stating the purchases did n't qualify. I am very upset as concrete work on my garage floor and exterior painting are certainly home improvement purchases. I feel like the reward advertising is deceptive and abusive as I specifically used my card for these purchases to earn the promised points, to no avail. Had I not been offered this reward promotion I would have just paid cash or used another reward card. I am also upset as there is not a means to see itemized point application for the rewards earned. It makes it nearly impossible to tell if Chase is awarding the appropriate points for each qualifying purchase. I would like my account credited for the improper fees I was charged and the points I am due for my purchases that qualified per the advertisement. This is my top of wallet card, if my account is not made whole I will be cancelling my card and switching to a competitor. I am very disappointed in Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Regarding the Wells Fargo settlement, i was forced to obtain : 1- a checking account and 2- a home equity line of credit which was ultimately restricted ( i am not able to use the available funds based on my original credit line ) Please advise how much of the settlement i am entitled to thank you 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 explanation
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have lived in my home for nearly 30 years. My wife and I ( now deceased ) raised our kids and family here. I am now in foreclosure, all because of the very bad loan XXXX XXXX ( now Wells Fargo ) put me in back in 2007. This is a loan where the interest rate and payment goes up and so does the balance. It is called a pick a pay loan. I did not understand this loan when I took it out, I trusted the people at the bank who gave this loan to me. I am XXXX and English is not my first language. They made the loan sound so good, but now several years later it is proving to be very bad for me. As the payment has increased over {$500.00} per month I have tried to get Wells Fargo to work with me to fix this problem. However I ca n't make any progress. I have sent my paperwork to them many times but I have never gotten any help towards a modification. So I began working with a lawyer, who tells me the only way to get Wells Fargo to pay attention is to begin missing payments. So I do this and send in all the papers again many times. Still I have not gotten any help from Wells Fargo. 

I am now in foreclosure with Wells Fargo. I make money from retirement income and also I have rented out rooms to boarders and my grandson lives with me and helps out. I have enough money to give a fair payment to Wells Fargo. But because of this very bad loan they put me in XX/XX/2007 I now see everything falling apart. Why wo n't this bank help me and work with me? My Attorney told me these pick a pay loans are very bad and now illegal?? I want some help from Wells Fargo to get out of this situation.

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 2015-05-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my home which had an FHA loan and Wells Fargo was paid in full on XXXX XXXX. However, they charged me interest for the entire month of XXXX which was {$710.00}. They should have only charged me interest for XXXX XXXX. According to the rule below, they should NOT have charged me interest after the loan was paid in full. They are telling me that the rule only applies for loans that were originated on or after XXXX XXXX, 2015. Nowhere in the rule does it say that. It only says the rule is in effective on that date. 
DEPARTMENT OF HOUSING ANDURBAN DEVELOPMENT24 CFR Part 203 [ Docket No. XXXX ] RIN XXXX Housing Administration ( FHA ) : Handling Prepayments : EliminatingPost-Payment Interest Charges

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Omega RMS, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had XXXX installed as a precaution due to my XXXX, so that when I have a XXXX XXXX I can press my necklace signaling the paramedics. We bought a house and decided to move the system with us. After we moved there were several occasions where my husband and I were called about a burglar alarm, fire alarms and other instances of the alarm being tripped. I would call in several times to speak to someone about the issues because when I would race home, thinking my daughter or mother was in danger ... .everything would be fine. Upon finally reaching someone with XXXX who could pull up my account, they stated that the previous address we moved from was still active and that there was n't much they could do about it. It was too much work to de-activate every sensor in the house. I asked to speak to several different people until they finally agreed to go through and de-activate each sensor. They refused to give me my money back for the 3-4 months the false alarms were going off at the previous residence we lived at. I asked to cancel their services and they refused during our last conversation over the phone. Since that call, I 've been in and out of the country for work and my bank account was hacked and shut off due to the security breach. I 'm still in the process of switching all my automatic bills and such over to the new account. Then I receive a letter from Omega RMS , LLC, a collection agency hired to collect the remaining balance of my contract which is {$760.00}. I spoke with them and they are asking the full amount regardless of the horrible service XXXX has delivered. No one will help me fix the issues because they know we are extremely distraught with their so called security systems and are now demanding we pay the full amount of the contract, even though they did anything but provide security for me and my family. I just wanted to feel safe in my house and I do not with their system not operating to the full extent that we originally agreed on. There should be some sort of clause in that contract that if the security system is defaulting, no charges should be made to the customer otherwise, why should I even have it? If it 's not going to work all the time, what am I paying for? There was no urgency to resolve the issue, when in fact if anything would of been on fire, a emergency medical situation arose or we had been burglarized ; my attorney would of come after them with flying colors due to the issues they would not correct or even take responsibility for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Dynamic Recovery Solutions has been pretending to be a law office and harassing myself and my family by calling our cell phones and leaving threatening voice mails on a regular basis. They insist that I call them back over a complaint that has been filed against me or that they will serve me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from Kia motors ( XXXX XXXX ) in XXXX, SC. In XXXX XXXX, I totaled the vehicle. I informed my insurance company ( XXXX ) regarding the accident. Together they paid Kia all of the remaining balance of the vehicle with the exception of approximately {$600.00}. After finding out that I had to pay the remaining money, I paid all except {$300.00}. I checked my credit report and was amazed to find that Kia Motors had my balance remaining at over {$21000.00}. They refused to remove it and put the correct balance on my report. I had been turned down for credit and did n't know why until I saw my report. I called Kia Motors and they refused to change my report until all my balance was paid. No one at Kia mentioned anything about deductibles, or that my credit would be impacted until all monies had been collected on my loan.

Company response to consumer: Closed with explanation