BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered XXXX  and concert tickets. I have text history with XXXX. He promised the XXXX would arrive on XXXX XXXX. Iphones are on back order so he said I would get it XX/XX/XXXX. I ordered festival tickets from him and he said he give me everything but XX/XX/XXXX. Still nothing. I contacted him he said XXXX get it for you by the next day. He keeps going around in circles. I contacted my bank and XXXX but they said there is nothing they can do. This person is a friend of mines so I trusted to XXXX them. I reported that he scammed me to chase and also XXXX but both companies responded with nothing they can do. I went to XXXX house to try to get my money back but he just keeps saying he will give it to me but no dates. Is there anything we can do to stop others from being scammed by this person? 


XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1300.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1800.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1500.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XXXX try to call him everyday. He just keep pushing me off. I went to his house and his family blocked me from talking to him. I really dont know what I can do I really need my money back but there seems to be no way to get directly to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Rushmore Loan Services called me on XXXX/XXXX/XX/XX/XXXX at XXXX XXXX ET to demand my XXXX payment, which I had made the day before -- the due date -- via electronic fund transfer. Just a month ago, Rushmore sent me a letter stating my account was delinquent, and I filed a complaint with this agency. The XXXX time they made a bogus collection call was XXXX XXXX XX/XX/XXXX. I had sent a check one week earlier, and the caller stated I was delinquent. I pointed out to the caller that according to Rushmore 's payment coupon there was a ten ( 10 ) day grace period! When I returned to work, I checked my bank account online and saw that my check had actually cleared MY BANK on XXXX XXXX XX/XX/XXXX! 
Rushmore is abusive and bullying. I recommend that they be severely penalized -- even shut down for this on-going pattern of abuse. How many victims do not know their rights, or have access to prove Rushmore 's abusive behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Monarch Recovery Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company has called me many times before XXXX XXXX. I recently called them on XXXX and they were rubbing in my face that I owe XXXX $ and saying at least I dont owe any debt, making me feel bad about myself and my financial situation. I was calling to make a settlement on this even though they have attempted to collect debt illegally many times. Im really sick of this company. They have sent so many letters to my old house even though I have told them to STOP. When I called them they also had a a voice changer on and it sounded like a COMPLETE robot and they refused to transfer me to someone so I could actually understand them. I have this on recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: LEXISNEXIS
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A subject selection for my issue is not available so I improvised ... 

My homeowners insurance company notified me that my renewal " premium has been adversely affected by information received from LexisNexis ''. The impact is {$68.00}. 
I obtained a copy of the credit report. 

The report reflects that I have XXXX accounts with high credit over {$530000.00}. What they are doing is adding up every single account I have opened in my entire credit history, which they have since XXXX. The reality is that I replaced XXXX cars every 3 years. Report includes all my car loans starting in XXXX. What is the relevance of a car loan I took 23 years ago? How absurd is this? Even though I 've never had a late payment, the length of my history works against me. The report does not distinguish between " concurrently open '', " historically '' and " currently open ''. It is adding together without any distinction among mortgage, car loans and credit cards. 

The report is supposed to provide a fair representation of my insurance risk, yet the ways LexisNexis is going about it is discriminatory against those with lengthy history. And those with lengthy history are by definition older and deserve the protection of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: VW Credit
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a 2014 Volkswagen XXXX XXXX for {$8000.00}. I've paid {$350.00} for the past 40 months. Volkswagen still says that I owe another {$10000.00}. The turbo went out on the vehicle in XXXX. I have a contract with XXXX. Volkswagen contacted XXXX. XXXX refused to honor their contract, ( which was 2 months old ), therefore Volkswagen refuses ( to repair turbo, which is still under manufacturer warranty for the XXXX  ) unless or until I or XXXX pays the {$1900.00} for the thermostat. I considered trading in the vehicle, but received no help just suggestions and excuses. I then decided on a voluntary repossession. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Meridian Financial Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
It 's for a time share annual dues. The time share gave the debt because I forgot to pay back in XXXX when my credit card was stolen, which I reported. When IO finally got a reminder letter it had already been sent to collections around XXXX. Meridian Financial is the company collecting. The original debt was for about {$680.00}, Meridian wants me to pay {$1100.00}. The same person calls me, during working hours which I have asked him not to call during those times, and he states that he can not call me any other time to work out a payment plan or settlement. When I aske him not to call me during working hours he argues with me, that I should be able to take personal calls at work, and asked why I answered. I answered so that I could let him know that i need a call back after XXXX I believe my rights are being violated on XXXX fronts, I believe I 'm being overcharged for this {$680.00} debt, and calling during working hours, and harassing me at work. I have phone records for verification upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Conserve claimed that I authorized repeated payments, and they continued to take monthly payments out of my account, they also lied about previous payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This complain is against Experian. Why is it that you can not use the United States court documents I sent to you? You did not explain the reason for this but yet you are going to go back the XXXX XXXX who is supplying the erroneous, incorrect, negative and outdated information to verify if the information is correct????? Look I have never had an individual account with XXXX XXXX or XXXX XXXX. I have never applied for an account with XXXX XXXX or any one associated with them. What documentation or what does it take for you to understand this??? My question still has not been answered ; How does XXXX XXXX verification have more authority than the United States courts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ACCT # XXXX On XXXX XXXX, XXXX I contacted Capital One recovery department to check the status of an account I was disputing. Upon speaking to the several agents, I was transferred to a manager named XXXX/employee id # XXXX sometime between XXXX - XXXX EST. From there I requested that the manager provide me with the date the credit card was opened but I denied. I then ask the manager if he could provide me the address the account opened with but was denied. After several attempts over the line I was recording the manager stated that the card ending in XXXX was opened using my current address XXXX XXXX XXXX XXXX Fl, XXXX. Pursuant to the Fair Consumer Reporting Act ( FCRA ) sec. 623 ( a ) ( 8 ) - " Ability of consumer to dispute information directly with the furnisher i.e. ; " Capital One ''. At this time, I am requesting that a thorough investigation be made pursuant to the above mentioned FCRA rather then just a validation from your company without any real proven documents supporting this aforesaid validation. I am unaware of any business relationship or debt with your company, therefore I do dispute it. 

Your company is claiming a credit card had been opened in my name, I'am kindly requesting that you please produce the following documents to back up your " verification '' to the credit bureaus : 1 ) A copy of the signed application where I authorized the account under the address XXXX XXXX XXXX XXXX FL , XXXX that the manager said it was opened under. 
2 ) Copies of the authorized charges 3 ) Copies of any authorized terms of the agreement 4 ) Proof you have that the terms of agreement were in deed violated that has resulted in the reported negative alleged trade line. 
If unable to provide clear and all documentation of the above mentioned, I will then kindly ask in the removal of this account within your office and in the immediate removal within all XXXX of the credit bureaus. XX/XX/XXXX I did notice this account in i did file a affidavit with the police department but I did not further pursue it because my credit report was n't important to me at the time. 

I thank-you in advance for given this your upmost attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MI
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:
Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and XXXX ) XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ( reporting to Experian, XXXX and XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and XXXX ) XXXX. XXXX  XXXX - XX/XX/XXXX ( reporting to XXXX and XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting to XXXX and XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( reporting to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to Experian ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Experian ) XXXX. XXXX XXXX Ser - XX/XX/XXXX ( reporting to Experian ) XXXX. XXXX - XX/XX/XXXX ( reporting to Experian )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For about the past two years, Navient ( XXXX ) has been " accidentally '' applying my payment to the wrong loan. Monthly, I pay one of my private loans that my uncle has co-signed so I do not default on the loan and mess up his credit. Navient states that if you pay on time on a loan consecutively for a year, you can possibly remove a co-signer from the loan. I want to remove my uncle as a co-signer, so I tried to pay the monthly fee on that loan on time for two years. Whenever my last month of paying on time comes, I call Navient and pay over the phone, thinking I am paying on the co-signed loan. A few days later, I get a call saying that the payment is past due. I call Navient stating that I already paid on the loan, but they tell me that my payment was " accidentally '' applied to another loan. They tell me that they can not reapply the payment to the correct loan and that I have to pay again. I ask them if I would still be eligible to release my uncle as a co-signer from the loan because I would have paid consecutively on the loan if it was not for their fault. They tell me that I have to start the whole process again. I tried to pay consecutively on the loan for two years, and each year the same incident happened. It is not fair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Brelvis Consulting, LLC
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was contacted by The Student Loan Help Center in XXXX 2016 advising me that that could help lower my monthly student loan payment from {$220.00} to {$54.00} monthly. I was told that there would be a fee of {$590.00} which I could pay in installments over a three month period. Which was {$190.00} for XXXX, XXXX and XXXX. When I receive notice from XXXX Student Loan payment repayment in XXXX that a loan repayment where {$350.00} When I contacted TSLHC advising them that my payments were not {$54.00} but {$350.00}. They advised that they had forward my work to XXXX there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
USAA advertised to me, a veteran of the XXXX XXXX that a pre-paid card would turn into a regular credit card after one year of giving them {$1000.00} and letting them hold it without interest and {$240.00} in fees. 

It did not turn into a regular card even though credit was fixed and they decided to change the agreement. I 'm growing weary of this bank which has been so predatory of military veterans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the credit company to remove and old addresses connected to my credit report and nothing has happened. I would like for this to be done immediately. Thanks in advance

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 2016-03-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Yesterday I visited XXXX to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at XXXX but placed on hold and offered the opportunity to receive a call back. At XXXX, I received a call back from an employee by the name of XXXX . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with another customer service rep ( likely his manager/supervisor ) who could explain to me why my loan was sent to collections without any previous notice or communication. He was persistent in mentioning that " Unfortunately it is out of my hands ... I can provide you the credit agency 's phone number ''. I went through several minutes of asking to speak with someone else, asking for clarity, asking who he reports to, and severe frustration while only receiving the same response. We reached a point where he mentioned he would only offer the number one final time before disconnecting. I actually chose to disconnect from him. I attempted to call the number back 2 additional times at which point he answered again. I asked him again if he was joking and if there was anyone else working to which he replied no given the hours of the day. 

I am intensely frustrated with my loan being sent without notification or additional communication. I am frustrated by a customer service rep who would not provide any additional point person I could ask for clarity on. I am extremely dissatisfied with the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Regional Management Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is an account show closed on my credit reported with a balance I do n't have any idea where the balance come from and now I received calls from collection agency asking me to paid this debt. I do know this company and either the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Chase credit card. I initially set it up for automatic payments of the minimum amount due. Chase contacted me telling me that they need to change my credit card account number and they sent me another card. Since then I have been belled for {$60.00} of late fees. This account was set up by myself for automatic payments but the payments stopped working. The amounts are {$25.00} in the XX/XX/XXXX cycle and {$35.00} in the XX/XX/XXXX cycle. I want to recover these fees and interest and also complain formally since this it the second time that they have done this since I have been a card holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see attached documentation. It explains I quick deeded the property in 2010 and have no further obligation financially to this however Chase continues to report it to all three credit bureaus and there are lates associated with the property that are very detrimental to my credit and it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this issue.

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