BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
. I was told by XXXX XXXX not disclose anything issue to Westlake Financial when i purchased the car. The following day, the car was n't working properly. 

2. My car has not worked at all since XXXX XXXX, XXXX - I purchased the car on XXXX XXXX, XXXX. 

3. Westlake Financial knowing knew thereafter about the problems as I disclosed to Westlake. They said, there was nothing they can do. 

4. In XXXX XXXX and in XXXX XXXX, they promised to forgive the months and offered to put the payments in the rears. I just found out, they reported those payments late and have not forgave the payments, Instead, accrued interest. 



5. Yesterday, i attempted to trade my car in. When the dealership ran my VIN number, they uncovered there had been odometer fraud prior to my purchase and that my car was XXXX miles over what the car stated. Westlake Financial knew of this issue when they ran the car fax and did not disclose to me upon their due diligence interview with me. 

6. Fees have been accessed for returned payment. There has been no returned payment as bank sent a letter for forgiveness to to account fraud. On 2 separate occasions, I set up auto pays and Westlake confirms the auto pay then without notice, rescinds the auto pay, therefore you are late and must pay all fees. 

7. Today, I spoke with the Collection Supv. and he stated I needed initiate litigation with the dealership and ended the call. 



Please provide full retail trade in value to the new dealership ( TBA ), forgive debt on dishonest collection processes as required The Consumer Collection Bureau, Remove all fees and other charges, Remove past due payment from all Credit Bureaus and establish new loan with a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: IL
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4. PLEASE DELETE BANKRUPTCY THAT IS BEING REPORTED.

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 2015-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I paid my balance in full on my Chase Freedom credit card on XXXX XXXX. On XXXX XXXX, my account was charged an interest. When selecting to pay my current balance, no where is it stated that further interest charges will apply. I called the credit card company and they would not waive the fee. As a customer with Chase for over XXXX years, this is ludicrous behavior. I feel as if I am being punished for paying my balance before the due date. How many more customers does chase victimize?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I have had been paying the mortgage on my home since XX/XX/2009. Shortly after my ex wife and I divorced, she filed Chapter XXXX bankruptcy. I kept the house and continued to make my mortgage payments. A few years later, I had to file XXXX XXXX because of some of her debt that had been sent to me. My XXXX XXXX has been XXXX for almost a year. My mortgage company refuses to report to the credit bureaus that I have been making my payments. It is affecting my credit and I can not get pre approved for a new home loan if I sell this house because of it. I have been in contact with them numerous times and they refuse to report, even though my Chapter XXXX has been XXXX. On my credit report, it even shows a balance of {$0.00}. They are now telling me that they will not report because of my ex wife filing Chapter XXXX, even though I was awarded the property in the divorce. They are telling me that I will need to refinance and it will cost me several XXXX more dollars. I do not think that this is fair because I have been making payments on my house this entire time. It is extremely frustrating when I am trying to do what is right by making my payments and I get this response from them. I would like some help or guidance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Westlake Services, LLC
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I followed the proper procedure and returned the automobile over to the car dealership. The amount claimed on the collection is the offset resulting from the return of the vehicle ; therefor, I do not owe anything. I also sent a letter asking to verify the debt and I have not received a corresponding letter back, but instead when I called, I was told that the allegded debt was sold in XXXX to XXXX XXXX XXXX ; of which, I have not received any documentation from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I was evicted from an apartment. The law firm placed a collection account on my credit profile. Then in XXXX the Lawyer sold the debt to XXXX XXXX XXXX  XXXX XXXX Then In XXXX XXXX XXXX Bank sold the debt to NCB management Services. 

It has now been 12 years since the original account became delinquent and the account closed. I have contacted the Lawyer -they wont talk to me, and both collection agency. I was in hope someone would fix this. 

The account is showing it was closed and went delinquent in XXXX. If that is true then they owe me 8 years of an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX  has deleted. XXXX and Experian have not.

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 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

transunion is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm being charged {$250.00} by a company for an uniform that was return on time. It was for an employment I never accepted working for but they still held me an uniform to start but due to personal circumstances I never start and I left ( XXXX XXXX ) where the company is located. The uniform was return on XX/XX/XXXX and I left around XX/XX/XXXX and it is XX/XX/XXXX and they are charging me that amount. I submitted a photo stating when it was return.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Today XXXX/XXXX/2015 at XXXX, a representative from Chase Mortgage called and demanded mortgage payments. We discussed that the house is vacant and that I called their office to ask for foreclosure due to my husband 's XXXX. After much discussion, I agreed to try and see if I can do a deed in lieu, that he will send out a representative to see me to help. But toward the end of the conversation, he verbalized that the late payments will be reported to the credit bureaus and the most concerning part is that apparently my mortgage had been reaffirmed. To my knowledge and my atty 's advise, we did not reaffirm our house at all. But the representative insist that I did. I asked him to send me a copy of the said reaffirmation but he wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have XXXX accounts with Chase, XXXX checking and XXXX savings. My mother is on XXXX of the savings, jointly. When she logged into Chase using her credentials, she was able to access the information in my personal checking and savings, where she is not listed on the account. She could see all statements, every debit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Requested lender to remove PMI for last two years. Sent few written letters. They wanted the home appraisal to be done at my cost, which I havent done. 
Loan took around XXXX Current loan outstanding XXXX which is about XXXX % balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Calls begin at XXXX and do not stop until around XXXX. They now call from an unknown number back to back to back & leave repeated voice mails after each call

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 2020-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a second ( junior ) mortgage on my house with Beneficial Finance ( HFC, HSBC ) in XXXX. I have been paying religiously since then every month. I intend to pay of the balance when the closing of my current property occurs on XXXX/XXXX/XXXX. I called to get payoff balance and discovered there is {$2900.00} in deferred interest and {$27.00} in deferred late charges. I do n't recall ever being late on paying this loan - and I certainly never agreed to deferred interest. Can you help me fight this? I need to pay this loan off before my new mortgage will proceed and I am not paying something that an unscrupulous bank decides to charge me without my knowledge or consent. 
Thank you XXXX XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for  XXXX  credit cards in  XXXX  of  2016 a t the same time.  The Sapphire and the Freedom . The application process and disclosures on t he Sapphire led me t o believe th at the Sapphire had  an 0 % introductory rate. The most noticeable difference between the  XXXX  cards was  XXXX  was used for travel and had a hefty annual fee and the freedom did not. By comparison th e Sapphire was the better card ( especially when I believed the intro rate was also on the sapphire ) so this was the card I  chose to be my everyday card. The plan was to use the card and made multiple payments per month to keep the balance down and especially since there 's an introductory rate. I unfortunately only found out recently, after noticing all the payments ive been making is not catching up to the balance. This led me to take a closer look at my statement and in shock, discovered I 'd been charged interest every month since  XXXX     2016. W hen I called  Chase, they explained the Sapphire has never had an intro rate promotion ( despite offering the card closely with other Chase credit card products with introductory rates ). When I asked if they could help with the interest I 've been charged, they simply reiterated that the Sapphire card has never had a promotional rate and there 's nothing they could do.   I feel so violated and misled thinking I 'm using my credit card well and now I have this mounting interest charge I was never clear about from the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
It was a credit card my wife had in XXXX with Chase Bank before marriage and it was discharged in XXXX before marriage. My name was never on the credit card nor was I a guarantor. This debt collector brought the debt and say I now owe it. I do not know how this debt collector got my social security number and have filed a judgement under my name directly. They filed court papers as Community Property, but then under the Judgement Information Statement it did not state Community, it listed my name only. This has really burden me because it went on my credit report and cause me not to be able to refinance. I had n't check my credit report in a long time so did not realize this was in my name. I have disputed it with the credit bureaus and they have deleted it off my credit report. I have called this debt collector to get a release of judgement from my name and my property and XXXX said no. I asked him how to get this out of my name and the lien off my property and he laughed and said " you want me to tell you how to not pay me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and this item need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/16, I had attempted to use my credit card at the gas station and also for a taxi, however, all attempts were rejected. I called into Chase asking why my transactions were being declined and they had informed me that all my accounts had been closed ( Checking, savings, credit card, business accounts ) On XXXX/XXXX/16, I had called Chase to inquire why my accounts had been closed and was informed that it was due to " unusual activity ''. I tried to inquire further on what the activity was, but was not given a chance to find out and the rep had mentioned that " Chase had decided to end the relationship '' with no further explanation and that I had to close all credit cards and withdraw all money from bank accounts within 30 days. I had received a letter in the following week stating the same instructions. 

On XXXX/XXXX/16, I had gone into a Chase bank branch and followed instructions to withdraw my cash from my checking/savings account, and inquired of the manager at the branch why my accounts were closed. He looked into my accounts and informed me that he could not identify any " unusual '' activity and did not understand why my accounts were being closed. I inquired if I could appeal the process, and was not given any further information. 

Without understanding what the action was which lead to all my accounts being closed and without any chance to appeal, I feel discriminated against and that this practice is deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Overdraft and bank fees from Wells Fargo Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and this item need to be deleted.

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 2020-10-25
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISPUTED DEBT VIA CERTIFED MAIL ON XX/XX/2020 FAILED TO ADDRESS VALIDATION OF ALLEGED DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: NC
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 have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

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