BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home morage through Chase Morgage company. I lost my employment XX/XX/XXXX. I immedidately contacted chase who stated that they would allow me to do a payment deferment for XXXX months. When that time was up I was to contact them and they would see what options were available depending on my situation. I unforutnately was not employed at the end of the deferement period. I was told by chase that I needed to make XXXX payments to make my morage current and they would offer me a loan mondification. I explained that I did not have an income and that I would be using the remainder of my savings to make those three payments. They did send me modification paperwork. I called when I recieved those papers and was told that because I was not working that was all they could do, and so, I signed the paperwork and returned it. I did not receive any further communication from Chase until I was notified that they had applied with the State of Oregon to file a forclosure. I enlisted the help of the Oregon Forclosure Assistance program and was assigned a hoursing assistance councelor by the name of XXXX XXXX. XXXX helped me navigate the process of going through several meetings and meeting cancelations with Chase. I became employed XX/XX/XXXX. Chase offered me a modiciation in XXXX, based on an hourly pay that I am no longer receiving. There were several communications back and forth between Chase and the Oregon Medidiation Program attempting to clearify my pay which became salary when my XXXX day probation was up. I asked prior to our meeting how they calculated the payment as it is more than my original morage payment, and I am making nearly XXXX dollars less annually. I then posed the same question at our meeting at which time the Chase represenative told me that I either signed the modication proposal or I risked a higher payment and or even denial. I signed the modificaiton. I have made one payment, but, I am selling personal items to make the payment I am struggling. I was notified on XXXX XXXX that the State of Oregon did not provide Chase with a certificate allowing them to continue with the forclosure. I have also contacted XXXX XXXX at Chase asking for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Restricted number has called a few times in the last 3 mos. leaving a message referencing my previous married name that I haven't held in over 10 years. The recording does state that a claim has been opened in my name and to call with no reference to who opened the claim and what type of claim. 

Finally answered a call and she stated I owed Best Buy over XXXX dollars from XXXX. I did a large purchase in XXXX and it was paid in full. The caller hung up on me after challenging her. 

I have no overdue credit cards on my credit report. She stated it could take this amount of time to report and the requestor just wanted an answer if I was going to pay or not. I said no because I don't owe 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 2021-01-12
Company: Army and Air Force Exchange Service
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am XXXX XXXX Military an incurred a debt from AAFES credit card company. Around XXXX of last year my pay was messed up from XXXX and was unable to pay. I contacted AAFES before and after and paid current as soon as I was paid. They marked me as 30 days late on my credit report. I attempted to disputer the derogatory remarks from the 3 companies and also send almost 30 emails in the past year and cant get AAFES to remove the 30 days late from my reports Please help Many Thanks

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 2016-01-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Pressler & Pressler has taken almost {$3000.00} from my account. They send all the letters to my old addresses which I can not respond too and then they have the right to seize all my funds. They have taken 4 times money out of my account. They have my correct address but still send all letters to my old addresses.. They even took all my child support money and the last withdrawal they took from my account was a week before XXXX! They took {$600.00} which left me broke XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ). XXXX XXXX, account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. I will be filing a complaint with the Consumer Financial Protections Bureau., ( XXXX. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( XXXX. ) XXXX XXXX. XXXX Canceled Debt Is It Taxable or Not? After a debt is canceled, the creditor may send you a XXXX XXXX, XXXX of XXXX showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form XXXX showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form XXXX, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form XXXX. The IRS considers charged off accounts as income and should not be 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
A illegal title loan was done which is illegal is XXXX. The rate of 98.65 % is illegal also made self the company my lawyer illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX is continuously adding falsifying information to my report without validation. For example on case with CFPB XXXX, a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me. XXXX stated that they will remove the alert. Well on XXXX XXXX I received an alert from a credit monitoring agency that something was added to my report. After contacting XXXX to ask what was added XXXX stated that they received an update from XXXX for an extended fraud alert was placed on my report. I also received in the mail from XXXX a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked XXXX to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by XXXX that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file # XXXX states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was VALIDATED not Verified but VALIDATED. XXXX is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that XXXX  contact the other agencies to have them update my information as well. Also please note that in XXXX XXXX was sued by XXXX XXXX when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in XXXX she disputed with XXXX about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year XXXX and XXXX are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.

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 2021-01-12
Company: OneMain Finance Corporation
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:
I received a hard inquiry on my credit report from a company called One Main Financial on XXXX XXXX, 2021. I have never requested credit from this company. I tried calling this company multiple times. They always transferred my call to either a voicemailbox ( which never returned my message ) or transferred to a number that hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My loan was due on XXXX/XXXX/2015 which I paid on XXXX/XXXX/2015. I was told my pay off would be {$550.00} on a {$300.00} loan so I paid it. The next day, I XXXX guessed that payment and called to inquire ; I was told by XXXX that she had to speak with XXXX the store manager and would call me back. I had not heard from XXXX so I called today, XXXX/XXXX/2015. XXXX simply apologized to me, stated there 's nothing she could do " days later '' and offered me another loan for {$200.00}. 

I stood in front of the person helping me and counted out {$550.00} and handed over a quarter. The girl handed me back a XXXX dollar bill and said I gave her {$550.00}. 

I was n't given a receipt or the copy of my contract. I was so disturbed over owing {$250.00} on a {$300.00} loan that I just walked out of the place. 

I have been taken advantage of.

Company response to consumer: Closed
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday XX/XX/2021 i filed a police report with the XXXX XXXX police department because someone has been using my personal information to try to open accounts under my name. i have never authorized any of these inquiries listed in my police report. please see attached documents to support my request.

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 2016-10-31
Company: Exeter Finance Corp.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Please accept as addendum to XXXX # XXXX. I previously submitted a complaint regarding my payment history over the life of an auto loan with Exeter Finance Corp. The complaint was submitted to Exeter Finance by CFPB on XX/XX/XXXX. The substance of my complaint regards conversations with Exeter Finance XXXX employees providing me inaccurate information regarding the loan - particularly on XXXX occasions I applied to defer XXXX payment each to the end of the loan however Exeter XXXX 's state each Deferment represented XXXX payments each. When provided the Deferment information I disagreed with the info and both Exeter XXXX 's then stated my account was past due for the previous or XXXX previous months which is also inaccurate - the XXXX 's both confirmed payments were paid as agreed for the previous and preceding month for each Deferment but continued to insist their information was valid by stating the account was past due for some other month which was also incorrect. 
In addition when I purchased and signed the XXXX in XX/XX/XXXX the financing arrangements were made by the dealership and I was quoted an interest rate of 20.99 %. The cost of the vehicle I purchased was {$12000.00} - the amount financed for the vehicle was {$10000.00} - I paid {$500.00} down in cash and traded in a XXXX XXXX XXXX in good condition. I was not told by the dealership the value of my trade-in. As of XX/XX/XXXX I have paid XXXX total payments. At the end of the loan I will have paid {$15000.00} and with the final XXXX ( XXXX ) payments due to pay the loan in full the interest rate is actually 50 % - not 20.99 % as stated in the XXXX On XX/XX/XXXX I spoke with an off-shore XXXX XXXX who stated if a payment is " late '' the full payment is applied to " interest '' - not the loan itself which does NOT explain a 50 % interest rate charged from XX/XX/XXXX until the date of the first late payment on XX/XX/XXXX. 
In addition both the Dealer and Exeter Finance Corp were aware the vehicle - XX/XX/XXXX XXXX XXXX - was a salvage title vehicle or ineligible for resale due to a malfunction of the vehicle 's passenger side airbag that was the subject of a XXXX recall in XX/XX/XXXX. I was not informed of the serious nature of the vehicle 's airbag status because I have never been provided title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016, I applied and was approved for a Chase credit card. The terms of my sign-up bonus were : " XXXX XXXX with a required {$2000.00} spend in the first 3 months. '' On XXXX XXXX, 2016, I contacted Chase via Secured message asking them to change the terms of the sign-up bonus. I found a sign-up bonus that works better for my goals. The new terms were : " XXXX bonus XXXX after the first {$2000.00} in purchases within 3 months of approval, XXXX bonus XXXX after {$10000.00} in purchases within the first year, XXXX bonus XXXX after {$20000.00} in purchases within the first year ''. On XXXX XXXX, 2016, I received a reply via Secure message that stated that " We are pleased to confirm that we will honor your request to receive the tiered XXXX bonus XXXX enrollment incentive. '' The message reiterated the new terms and stated that " After you have exceeded {$10000.00} in purchases and {$20000.00} in purchases, please contact us at that time and we will add an additional XXXX bonus XXXX to the account. '' On XXXX XXXX, 2016, Chase removed this message from my XXXX XXXX XXXX. On XXXX XXXX, 2016, I contacted Chase via XXXX asking them to remind me the terms of my " upgraded sign-up bonus ''. The same day, a Chase representative ( initials XXXX ) replied : " Once you 've reached {$10000.00} spending, you would be awarded XXXX bonus XXXX, or after {$20000.00} spending, you would be awarded XXXX bonus XXXX ''. By that time, I had reached the {$10000.00} threshold and asked Chase to issue XXXX points. The representative advised me to wait until I reach {$20000.00} so that they can submit that request for the full amount. On XXXX XXXX, 2016, I contacted Chase again. They verified that I reached the {$20000.00} threshold. However, they changed their mind and denied my request for additional points. They retracted the written promise that they gave me on XXXX XXXX, 2016 and verified again on XXXX XXXX, 2016. I understand that it is up to Chase whether or not to match a better bonus. However, once a promise is made, it must be followed. I acted upon that promise and tried to spend on the credit card as much as possible to hit the required threshold. By doing that, I gave up on other opportunities given me by competitors. I would have spent significantly less on my BA Chase card, had I not received the written promise, not once but twice. If they were unwilling to extend the bones, they should 've done it on XXXX XXXX. Instead, they did a classic " bait-and-switch '' : they gave me a promise, I acted upon it, and then they retracted once I fulfilled the terms of the offer they extended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed several accounts with Experian and XXXX but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but Experian and XXXX  refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXXk. I never had a XXXX XXXX XXXX credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on my credit report.

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 2021-11-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2020, XX/XX/2020 sent letters to all 3 credit bureaus about the chapter XXXX bankruptcy filing

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have Navient formally XXXX and been paying on it since XX/XX/2005. It has not gone down any, I feel the interest I am being charged is not fair and I am not able to make the payments because of this, causing me to default. Please help me! It is ruining my credit. I want to pay back my debt but I am struggling for so many years!!! I keep having to do a forbearance. My monthly payments are killing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ONEMAIN FINANCE CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One MaXXXX XXXX  is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

Company response to consumer: Closed with explanation