BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have had a mortgage with Chase for five years. I 've always paid the mortgage the first of the month. We now have almost XXXX % equity in the house ( tax value was given as {$470000.00} and we owe {$220000.00}. ) so first I wanted to refinance to get rid of the PMI and then to take out some equity to get out of debt due to medical bills. I contacted Chase to refinance and was told that it was preapproved and I sent the necessary documentation ( pay stubs, tax returns, etc. ) During the past nine-ten weeks they have repeatedly contacted us to tell us everything was fine and they did n't need anything. Then I was contacted and told they were not going to take the amount I pay for my student loans they were going to use a different calculation and now my debt to income was too high. I agreed to make some other changes to the loan, and it went back again. They told These changes included paying something else off and other changes. They then came back today and said that on my tax return ( that they have had for more than 8 weeks ) I have some business expenses I claim on my tax returns and that they were going to take this amount off of my income. Because of this new calculations my debt to income ratio was off again. The final loan was going to be {$80.00} more per month and would eliminate basically all of my debt BUT they still wo n't approve it. REMEMBER I ALREADY HAVE A MORTGAGE WITH CHASE AND PAY IT ON TIME. 
Chase is the WORST company to deal with and it appears they are making up the rules as they go along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended the XXXX XXXX and had a loan with Sallie Mae now handled by Navient. I was taken advantage of by the institute and have an outrageous loan. 

Ive attempted to contact Navient about the extremely high interest rate within the last 2 weeks of this complaint. I requested a copy of the initial loan agreement and I believe I am being overcharged and charged an incorrect interest rate. The variable rate per my contract is based on the wsj prime index and currently it is nowhere near the crazy interest rate Ive been charged. This may have been going on for years and I havent been able to pay it down. 

Also on the contract it only shows {$5000.00} was dispersed to the school of the {$30000.00} loan so Im wondering if the school even took the money I never finished the program so this also prevents me from releasing my co-signer now over 10 years later. 

Also as a person who was defrauded by the shut down school The XXXX XXXX loans were forgiven in the most recent lawsuit however mine was not. I believe this should be re-evaluated as Ive only been paying interest so I wouldnt default and ruin my credit. 

Please help me, this loan is predatory and has plagued me my entire life - something isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I have reported this incident to the FTC. I HAVE CALLED DISCOVER and ti no avail the company is reluctant in removing the fraudulent account from my credit profile. I have never had a discover credit card. Nor have I ever had a XXXX XXXX  credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX reports two late payments on my experian and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.

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 2022-05-16
Company: EQUIFAX, 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:
https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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

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 2016-10-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Other

Complaint:
This is regarding a Chase Bank Credit card. I have a promotional balance on this account and used it for a small purchase in XXXX. I paid more than the purchase amount that month but it seems that the interest bearing balance was not paid first. I also was assessed a fee for late payment so I paid extra that month to cover the fee ... but the same situation applied. It seems like I am being charged interest on a FEE that in my mind, I already paid!!! I feel like these practices are predatory and trick the consumer into sustaining an interest bearing balance for an extended period of time. It seems like I have no way to pay off the interest bearing portion until the non interest bearing amount is paid first. It seems like a trap. Because the assessed late fee was my first and only, due to a simple oversight, and paid promptly once I noticed the payment was late, I request that fee be waived. Thanks. I also hope that Chase bank changes the way they apply payments when a portion of the balance is interest bearing and another portion is not. Payments should go toward and interest bearing portion first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: KS
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:
Subject : XXXX XXXX Account # : XXXX Dear Experian, In accordance with the Fair Credit Reporting Act XXXX XXXX Account # : XXXX, has violated my rights Account name : XXXX  Account # : XXXX 15 USC 1681 Section 602 States I have a 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 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.

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 2015-08-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear sir/madamas I was going through my credit report on XXXX and XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter to my home address with a diffrent recipient name on it. Said they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report. 
I copy this account number from my XXXX credit report with Midland funding name on it XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Chase mortgage started a foreclosure against me in XXXX despite the illegal activity that has occurred in my mortgage since XXXX. Chase willingly started this foreclosure with knowledge of my disputes and a FTC settlement in XXXX that says they can not start a foreclosure if there are disputes unresolved. Chase continued with foreclosure. I have complaints filed with consumer finance bureau during this ime since XXXX. Chase refusing to correct mortgage. My Chase loan number is XXXX. In XXXX of XXXX Chase withdrew their motion in Supreme Court. On XXXX XXXX XXXX I recieved a letter from Chase stating on XXXX XXXX, XXXX my loan is being transferred to XXXX XXXX XXXX XXXX XXXX my loan has been sold so many times none of the new servicers have been willing to take responsibility for the mishandling of my loan. Only leaving me to start over again with my disputes. During the last four years Chase has had me in Supreme Court for Forclosure My escrow has been charged thousands of dollars for legal fee and foreclosure fees. Chase started this foreclosure knowing of the many disputes and was aware of FTC XXXX settlement. The end result was they withdrew their motion and now wants me to pay all their fees for the foreclosure. I should not be charged any fees. And the new servicer can not be allowed to start a new foreclosure until the disputes are answered and dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: SC
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 notified Equifax that a hard inquiry on my credit report on XXXX XX/XX/2021, by XXXX XXXX was fraudulent. There was also another inquiry to XXXX XXXX  on XXXX XX/XX/2021 that has been resolved. I contacted XXXX and they concurred it was fraudulent and an account was not opened. I put a fraud alert on my credit accounts, reported it to the Federal Trade Commission and after filing reports through them, received notice that Equifax will not remove it because they say it is a valid inquiry even though I did not authorize it. I have written to them twice with the same result. I want this hard inquiry removed from my credit report- it is fraudulent and I should not be penalized for someone else 's bad behavior. 

Please see the attached : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2021 XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was late on 2 car payments due to national disaster hurricane irrma and red tide reduced my business they submitted to credit bureau withiut stating due to natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted financials and request for mortgage modification to Wells Fargo several times in the last year. Wells Fargo has refused to lower my house payment and interest rate. I became late on my payments when my mother became XXXX, I 'm my mother only care giver, I 've had additional medical expenses with the doctors visits and her medicines. I do want to keep my home. Please assist me with getting my mortgage modified.

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 2019-12-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is incredibly difficult to work with in terms of freezing your credit for protection. Their automated systems are not working for me and it tells me to send in information or call customer service. When calling customer service, their automated phone system makes it literally impossible to navigate the menus and get to an actual person. I've called the phone system multiple times and tried different menu options and it still kicks me back and out and I can't talk to a human! I just want to place a freeze and confirm that Experian has my correct information on file, and I can't get 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 2017-09-18
Company: EQUIFAX, 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:
My personally identifiable information was obtained from Equifax by an unauthorized third party. As a result the security of my identity will forevermore be in question. Additionally, this incident will cost me both time and money while I attempt to take the proper precautions to reduce my likelihood of becoming a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$4000.00} XXXX {$2000.00}

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 explanation
Consumer complaint received 2022-08-04
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:
I have attached an FTC report with inquiries I did not authorize

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 2015-04-22
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This morning I called my credit union, Navy Federal Credit Union, in an immediate response to a letter I received which stated incorrect charges and due dates. When the agent responsible for my account, XXXX, told me that the letter was correct according to his records, I told him that I would look into the matter with my connection with the XXXX. Following my research I learned that I was correct, there was no lack of payment for the last two months, and, once again, my credit union was in error. I then called the credit union back to correct the problem and was told that I could not make changes to correct the problem via the phone. I then asked to have a copy of my statement with a payment history sent to me and was told that it could be faxed to me. I told the customer service department that I did not have a fax number handy and would have to accept a postal copy. I later called again to give a fax number and was transferred to the original agent, XXXX, who rudely told me that he would not give me a copy of my statement or payment history because of the finalized bankruptcy associated with the account, even though the loan was reaffirmed. I insisted that I was entitled to my statements and payment history for the last six months in order to correct the error in their records and he still declined to honor my request. XXXX also told me that he stopped the processing of the postal request that the customer service department was preparing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
WF EFS received my certified letter XX/XX/2016 ( attached ) requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual obligation with WF EFS bearing my signature AND mark my credit report disputed. They sent me a copy of a generic letter from XX/XX/2016 stating a bunch of if this than that scenarios and yet to provide a contract between myself and wellsfargo for the accounts listed in my credit report stating that I am obligated to pay, if they truly looked at my account they would see there are {$0.00} balances and that is not the issue at hand.

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 2019-12-10
Company: JPMORGAN CHASE & CO.
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:
Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by chase. I have also noticed two hard pulls by XXXX. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment online on XXXX/XXXX/XXXX. However, I was erroneously charged a {$27.00} late fee on XXXX/XXXX/XXXX by Comenity Bank, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today is XXXX-2017. I have been a victim of identity theft already. 
I am included in the Equifax security breach. I have tried unsuccessfully for days to talk to someone at Equifax. If I do get a person, they take the information and say I will get an email with a number for identification. I never get an email. I want to put a credit freeze on my account. If you go to the website and try to put in a credit freeze, it gives you an error message that 's says, we are sorry, we have run into a technical problem. Please try again later. If problem persists, contact customer support. When I call customer support, they either put you on hold for long periods of time and then hang up on you or they say due to the high number of calls, please try later. This has been going on now into the second week. Equifax needs to address these problems and assist the people that have been impacted by their data breech. I have been dealing with identity theft for 2 years now. I all ready have a fraud alert on all my accounts but I want to put a credit freeze on them. The impact of this breech needs to be dealt with in a timely manner. Stop hanging up on customers, stop giving them a time limit of when they should be getting an email that never comes, stop transferring the calls to someone else, stop sending them to a website that never accepts your personal information and just tells you there has been an error. I worked for XXXX XXXX in XXXX until retirement. They need to do their jobs and hire more people if required to, be more understanding of those of us who have all ready been dealing with our identity being stolen and get the job done. Equifax has failed in every aspect of its job.

Company response to consumer: Closed with explanation