BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
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: Reporting company used your report improperly

Complaint:
I am writing to dispute the following information on my credit file. I Have recently received a copy of my XXXX, Experian and XXXX credit reports. The credit reports are STILL showing inquiries that I DO NOT HAVE A OPEN ACCOUNT WITH, and unauthorized. Pursuant to 15 USC 1681 Any inquiries that I DO NOT have a open account with must be removed. This Law also states that for every unauthorized inquiry, by law I am entitled to XXXX per violation. Remove these inquiries immediately, for they are harming me and they are making it extremely difficult for me to acquire credit. I have disputed ALL of these items more once, this is my last attempt to settle this matter. The FCRA also states that the only permissible purpose for pulling someones credit is for A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissable : XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REPORTERS Please remove these inquiries immediatley.

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 2022-11-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
chase claims they will no longer be banking with me and my account closed but they did NOT notify me NOR I AM I ABLE TO WITHDRAW ANY MONEY IN MY ACCOUNT. I I HAD TO CALL CHASE TO SEE WHY MY ONLINE BANKING WASNT WORKING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I have a lease agreement with Toyota/Lexus Financial Services. Due to an unforeseen temporary XXXX and XXXX my loan has become delinquent. I contacted numerous customer service representatives to request a loan deferment which is advertised in the finance options provided by the company. Unfortunately, I was charged {$300.00} per deferment month, which is excessive and XXXX of the required payment. I adhered to the agreement, paid the fee and signed the forms. Yet, my account still reflects a severely delinquent payment status and the agreement has been unjustly withheld by an account representative allegedly in the " Lexus Executive Corporate " offices in California. I was provided with a XXXX XXXX number and a recorded message left by a XXXX XXXX XXXX I attempted to return the call but only spoke with a hostile male representative who in prior days refused to provide truthful account information regarding my balance and a viable and fair solution to bring my account current. In essence the male representative was deceptive and only provided a predatory payment solution with interest rates that reflect the discriminatory rates which sparked the XXXX XXXX dollar class action discrimination law suit. Lexus/ Toyota practices regarding individuals with minority profiles has not changed. In fact the tricks and lies prevent consumers from incurring excessive fees and repossession. I am a certified educator who has conveyed to the company that I am seeking to finance my vehicle through my credit union. This is not possible if Lexus Financial refuses to allow me to bring my account current with the agreement verbally and documented. The account representatives are participating in fraudulent practices such as refusing to provide accurate account information regarding payments due. In fact, I have had my account reported delinquent due to a monthly payment of {$16.00} owed and the information intentionally withheld to " force " my account into a full demand for payment status. The interest has is more than XXXX points. My car was obtained in XXXX of XXXX. I am seeking to have XXXX full payments added to the balance ( months of XXXX & XXXX ) partial payment for XXXX {$250.00} accepted, XXXX XXXX, XXXX payment accepted paid in full by XXXX XXXX, XXXX. The XXXX payment due by XXXX XXXX, XXXX. This will allow my payment to become current and obtain fair financing by my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: AES/PHEAA
State: GA
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:
In short, Myfedloan.org misrepresents the amount owed on a loan on it 's website. When looking at " payments and billing, '' the total loan balance is shown. However, this balance is not truthful- it does not include the accruing interest. So, my balance showed {$220000.00} for 6 months while I was making XXXX dollar payments every month, thinking this was covering the entirely of the accruing interest, given that the balance was not changing. However, my payments were in fact not covering all the accruing interest. Suddenly, the next month my principal jumped up {$15000.00}, because there was hidden interest accruing that just capitalized ( per the explanation of the phone representatives ). As a result, even though I paid {$18000.00} on my loan over 12 months on my loans, my principal actually went up to {$230.00}, XXXX, a net increase of {$10000.00}. This is not truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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 am writing to you in order to figure out the way out from the terrible situation that happened with me. I have fraud activity in my credit report mainly fraud accounts. SO I figured out accounts that are not mine. I am victim of identity theft. Please delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to you in order to figure out the way out from the terrible situation that happened with me. I have fraud activity in my credit report mainly fraud accounts. SO I figured out accounts that are not mine. I am victim of identity theft. Please delete them from 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 explanation
Consumer complaint received 2015-06-10
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THEY CALL EVERYDAY XXXX TIMES A DAY AND I TELL EVERY SINGLE XXXX OF THEM SAYS THEY WILL TAKE ME OFF THE LIST AND THEY DO NOT!!!! THIS IS UNACCEPTABLE! 

THEY ARE LOOKING FOR XXXX AND HE DOES N'T LIVE AT THIS NUMBER BECAUSE THIS NUMBER IS A XXXX, WHICH I 'VE ALSO SAID BEFORE. THIS DISRUPTS THE FLOW OF MY OFFICE AND IT MUST STOP. 

XXXX OF THEM ACCUSED ME OF LYING AND SAID THEY WERE GOING TO TAKE THIS XXXX GUY TO COURT IF HE DOES N'T COME TO THE PHONE ... WHAT?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have had store credit with the XXXX on 2009. Originally debt was XXXX XXXX Account was named XXXX ( now it calls XXXX ). My last payment was made on XX/XX/2009. I lost my job that time and I could n't pay my credit cards. The debt was sold to collector company PORTFOLIO RECOVERY. It has been more than 7 years. They still report this debt as XXXX to credit agencies. I tried to dispute on XXXX website with XXXX, but unfortunately they refuse to delete the negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: AZ
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:
My wife and I are retired, and we live debt free. We don't buy anything unless we can pay for it in full, including our new ( er ) XXXX automobile. 
If and when we buy another home, we'll pay cash for the property or we won't buy it. 
We have money in the bank ( 6 figures in savings ) and use our credit cards but ALWAYS pay them off in full every month. 
I froze my credit a few years back ; my wife 's credit is still 'open '. 
Our 'Credit Score'* is pretty good I guess : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX But the fact that it is dropping constantly even though we pay our bills every month, and WORK HARD to live within our means, is making me crazy! And it tells me in no uncertain terms that the credit reporting agencies, financial institutions, and the Fed are complicit in keeping Americans buried in debt, while penalizing those of us that pay our bills and strive to live debt free. 
The reasons for our falling credit score? 
1 ) 'Not enough balance paid down over time on revolving accounts. ' We always pay our credit card balances down completely. Every month. 
I'm not even sure what 'revolving accounts ' are - but apparently we don't have them or are somewhere misusing them? 
2 ) 'No open real estate secured loans in your credit file. ' What? We bought our last home in XXXX, and after qualifying for a mortgage** to buy the house, paid the mortgage off in full within 2 years. Is it because we don't have a mortgage that we're being penalized? 
There are a couple of other reasons listed for our falling credit score, neither of which make any sense to us. We just don't get it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
*XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I initiated the pay off of my auto loan on XX/XX/2016 via their website. On XX/XX/2016 the loan was officially closed. On XX/XX/2016 Chase pulled another loan payment from my checking account, via automatic payment, even though the loan was closed. It 's now XX/XX/2016 and I do n't have that payment returned to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
CAPITAL ONE is in violation of the XXXX  for non-compliance to disclosures. They have been notified of the non-compliance of the " XXXX '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of XXXX in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the XXXX to the Texas State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
citi bank offered me for a citi XXXX XXXX XXXX XXXX card in the month of XXXX XXXX with the following offer. 
I can purchase a phone of up to XXXX $ from XXXX store and they will refund that amount in full as long as following criteria is met 1- I spend XXXX $ in the first 3 months 2- I keep the XXXX phone in-service for at least 15 days. 
I got card and tried to use the link provided on their website to purchase the phone. The offer specifically mentioned that if the purchase is of more than {$650.00}, the company will just refund {$650.00} and not the actual amount of the phone. as I could not use the link provided, so I contacted their chat support and the representative mentioned that if the link is not working, then I should purchase the phone in store and Fax the receipt to them on fax number : XXXX. I sent the FAX to them on XXXX XXXX XXXX. I contacted their chat support after 2 days and they mentioned that the receipt of fax takes time. I waited patiently and contacted them in on XXXX XXXX XXXX when they mentioned, that they have received the fax but XXXX $ credit will take XXXX billing cycle to be credited to the account. 
I contacted them before the XXXX billing cycle which was on XXXX XXXX XXXX and they said it may take upto XXXX billing cycles. now the XXXX billing cycle is completed on XXXX XXXX XXXX and there is n't any credit back for {$650.00} to my account. 
I contacted them again today and they are saying they missed the fax as it was sent on incorrect number. and they want me to send it once again to a different number. So for the past 4 months I am just trying to settle this {$650.00}

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 monetary relief
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX I paid sent {$5000.00} to a vender via chase bill pay. on XX/XX/XXXX, Vender informed me that they never received the check. On XX/XX/XXXX i placed a stop payment request on the bill pay check. I was notified by chase that the stop payment was completed. On XX/XX/XXXX, I called chase as the {$5000.00} was not credited back. The rep stated that the check was stopped and it took XXXX business days to be refunded and that I would receive the credit that day or the next ( XX/XX/XXXX ). The stop payment was never credited. I called today and was informed that the check was never stopped. that I had to call in to stop a bill pay check. now I have to wait another XXXX days for the credit. Additionally, they refused to stop payment unless i agreed agree accept liability if the check was fraudulently cashed for another 2 days. I was forced to agree to their " disclosure '' or they would not now stop the check. I believe that chase has purposely and intentionally created a difficult process to stop bill pay checks to cause delay in crediting the account in order to hold money that is not theirs interest free. Additionally, they are coercing consumers to accept liability before stopping a check. These terms, conditions, and liability are not disclosed to consumers when opening an account. Their customer service intentionally misinformed me about the status of the stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a XXXX XXXX XXXX XXXX XXXX and Goldman Sachs bought the debt and rights for the XXXX XXXX XXXX. I was never notified that such a change was going to happen until I received a call on XX/XX/2022, from Goldman Sachs. Stating that my payment was 30 days past due. When I told them I didnt have a card with Goldman Sachs XXXX they told me that I did and told me it was my XXXX XXXX Credit Card XXXX As soon as he verified my name and phone number, he then realized I was never sent a Goldman Sachs card. I then immediately went on and created an account on their app and set up automatic payments and paid the past due amount that day. Due to the failure to notify me of the change of my account from XXXX XXXXXXXX to Goldman Sachs my perfect record of the XXXX XXXX Credit Card account was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
In 2015 I applied for a Bloomingdale 's American Express Card and used it like 2-3 times. The last time I used it was for the purchase of a train ticket. However, that trip did n't happen so I got a partial refund of the ticket price, leaving around {$30.00} as a balance. Then I left U.S for 3 weeks and forgot about this balance since I did not use this card often ( only when I made a purchase at Bloomingdale 's ). After 4 months I got XXXX calls asking me to pay off and card balance and at that point it was $ XXXX including all late charges. And my card was closed because I missed all the payments. So I paid off the huge amount. However, another 3 months later I got XXXX calls asking me to pay additional $ XXXX late charges. It was just unacceptable! Why would they let me know earlier and why would there be additional charges after my card was closed! The worst thing is, after I negotiated with them ( they were just unfriendly and unhelpful ), I paid another {$42.00} and made sure that would the last payment I make -- it is still unreasonable to me but I 'm super busy, I do n't want to be haunted by them again, not to mention my credit history could be negatively impacted. I thought it was the end. But today, I saw another {$4.00} charge posted to that account -- I mean seriously? What are they trying to do to me!!! This is unbelievable and unacceptable!!! I disposed my card a long time ago because I thought the nightmare ended!!! I never ends!!! Bloomingdale 's American Express card is just HORRIBLE!!!!!!!!!

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 monetary relief
Consumer complaint received 2022-11-09
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Swiss Colony/Montgomery Wards continues to validate a debt I don't own. The creditor continues to report inaccurate information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a lemon used car ( XXXX XXXX XXXX ) from Chrysler Capital in XX/XX/XXXX. The loan was a high interest predatory loan. Also I informed them.of the misspelling to my name on the loan documents. The car caught fire in the first week I had it I ask for a full refund 2 days after buying the car but was refused. The car had to under go 10 ton 12 repairs within the first 2 months I had it. I also received several manufacturer recalls in the mail during this time. This car was dangerous from the start and indangeraded my entire family. 
The car eventually stopped running in XXXX XXXX, CA and I reported that to Chrysler Capital. I have communicated by phone, emails and certified mail to resolve this issue. The auto loan was sold from Chrysler Capital to Santanders in XXXX without my knowledge or consent. As mentioned above Santanders was involved in a class action settlement/lawsuit due to their involment of predatory lending. I was informed that I was to receive mometary damages and the title to the car within 6 months. It never came. To date I have paid {$17000.00} for a car that never worked. I have been attempting to get the title of my car released but Santanders will not release my title. I DO NOT have a contract with Santanders and any information from Chrysler Capital was given to this entity without my consent. I am still receiving DMV notificatioms for registration fees.

Company response to consumer: Closed with explanation