BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was attempting to gain an extension on a HELOC that Ive had for decades ( originally obtained in XXXX MO ). The original bank, XXXX XXXX XXXX, had offered me the HELOC as a way to keep me and my very small business covered during lean times. It worked very well for me. Renewal/extension was always a pretty straightforward matter and the loan officers then were helpful. Simmons Bank took over XXXX XXXX ( then XXXX ) a few years ago. I am now XXXX XXXX XXXX and the HELOC was going to reach maturity. I supplied many pieces of information. The process continued to drag on due to delays on their end ( e.g. asking for one piece of info and then a week later, another ) with an XX/XX/XXXX maturity date looming. They discovered two small liens totaling around {$7000.00}, the result of a wonderful program offered by the XXXX of XXXX MO to help low-income homeowners get needed repairs to their homes. The loan for seniors like myself was zero interest with zero payments and only payable if the house changed hands. 

I am filing a complaint because when time ran short on the renewal, the unnamed underwriter instructed XXXX XXXX, the person who was emailing me, to suggest that I, at XXXX and on Social Security, with an admittedly low income, use the remainder of the HELOC to pay that off. Why? So that Simmons Bank could be # 2 to collect on a default of the mortgage or loss of the house, rather than # 4. Thereby putting a person of my age under the unnecessary burden of paying interest of 7.5 % or more on a loan offered by the City that was meant to be zero interest, zero payments. Preying on low-income seniors! Giving terrible advice, as well. 

Next, my son wired the funds to pay off the HELOC on XX/XX/XXXX and Simmons held the excess funds from the wire for 2 weeks. No one asked me what I wanted done with the excess. No one contacted me about the excess at all. When I inquired as to the whereabouts of the money, I was told that it would be put into a cashier 's check and mailed to me, instead of simply putting it into my account. On XX/XX/XXXX, I told both XXXX XXXX and the then named loan officer, XXXX XXXX, that I wanted it put into my account. They wrote a cashier 's check, regardless, and because I called and expressed my extreme frustration and anger, the money was finally put into my account. I'm sure that my letter of the previous week to the president and COO of Simmons may have red-flagged my account -- but no one did anything about it until I called XXXX XXXX. 

Simmons is generally hated in my community, especially by all of us previous XXXX customers, who were not given a choice of banks. Many of us were stuck with Simmons and its utterly deplorable customer service and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: WA
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  XXXX - this is not my account, I did not sign up for an account with this company, XXXX XXXX XXXX - this is not my account, XXXX XXXX - no mine wrong account number, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX .. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. The accounts do not belong to me, either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Dear CFPB I received a notice in the mail concerning a timeshare debt that I am being held accountable for. The timeshare in question was owned by XXXX XXXX XXXX XXXX, my ex-husband and me before we were divorced more than 32 years ago. 

Needless to say I was surprised if not shocked that he is now claiming that this piece of real estate is in my name, if he is claiming that. To make a long story short and simple, in our divorce settlement judgement in XXXX he paid me a lump sum, he kept all five properties, making himself the sole owner of all the properties. 

I am incensed, extremely upset, hurt and even after all these years in disbelief that I am being asked to pay a debt on property that was addressed in the divorce judgement documentation and I never had the pleasure of using. For the more than 32 years I have not lived in, visited, or been aware of. 

I am sure that the records will show that this the property of my ex-husband who is probably worth more than XXXX XXXX dollars, not a XXXX person ( myself ) who is living in subsidize housing and XXXX XXXX XXXX. 

Please review the information attachments that was sent to me, investigate, and then proceed to act based on findings. I assure you that the best chance you have ( we ) at finding the person who is truly responsible, and can pay, is my ex-husband for all fraudulent acts and damages against me. 
Sincerely, Ms. 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting 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 believe that my information is being misused and reported as inaccurate and I am filing this complaint to JPMCB CARD. In my credit report from XX/XX/2023, I found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this letter ( attached below ) in the mail from a supposed law firm stating I have toll pass violations that I need to pay outstanding fees and and outstanding toll payments for. I verified with the XXXX XXXX and XXXX  XXXX ( toll company ) that I have no outstanding or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Care credit tacks on a card protection fee in the fine print. After a recent purchase, a fee was tacked on for card protection of around {$40.00}. They give the run around on cancelling this fee, stating it will take two business cycles to reverse. Its predatory, especially considering the nature of this card.

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 2018-10-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
HSBC credit card XXXX XXXX XXXX this is the cc # i filed a complaint and received a letter from them stating they were refunding my credit and closing the card, i never received the refund and they continue to send statements. i received a letter that you closed the complaint but i want to reopen it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BMW Financial Services NA, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On my very first payment I attempted to send in, I had the account number off by a digit and did not realize it. I was not made aware of it until it was too late. I corrected it immediately. I own over 10 cars, literally I have more than 10 loan payments every month that i keep up with. I understand this is NOT BMW financial 's fault, so i wrote a letter and just asked for forgiveness for this one misstep. Since then have I made every single payment on time as promised and will continue to do so until the vehicle is paid off. 
I know they will tell me that they are required to report accurate information to the credit bureau, but i also know there is a way they can forgiveness if they choose to help me out. I have seen it done in the past and i have a perfect payment history other than that first blunder and will keep it this way. I am just begging for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In 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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had a lot ofl conversations over the phone and email the company chime refuses to help me and instead tells me it is my doing when it is not and i have more than proved it to them. 
the following transactions were taken from my account unauthrozed< - XXXX XXXX XXXX XX/XX/2020 {$34.00} - XXXX XX/XX/2020 for {$170.00} -XXXX XXXX XX/XX/2020 for XXXX -XXXX XXXX XX/XX/2020 for {$47.00} -XXXX XXXX XXXX XXXX for {$15.00} XXXX XXXX  XX/XX/2020 for {$100.00} XXXX XXXX XXXX XX/XX/2020 for {$310.00} XXXXXXXX Trip XXXXXX/XX/2020 for {$26.00} I have sent in my time cards from work showing that i was in a NM not NV, i was on the phone with someone from chime whlie it was happening one time, I have asked my accounts be closed and they still have not been. i have contacted the companies personally and have gotten emails stating that when the transactions were " being Made '' that the store was not even open. they still refuse to help me out and just blame me for doing the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a JP MOrgan Chase ( Amazon Prime ) card for several months and have used it almost exclusively for purchases on Amazon.com. In XXXX, they offered an attractive balance transfer option and I transferred {$7200.00} from three or four cards between XX/XX/XXXXXXXX  and XX/XX/XXXX. 

Since that time, I have been making payments of fees ( balance transfer fees ) and promo interest along with all new purchases each month. My payments have exceeded what was due, but I have suddenly started being charged interest on purchases even though I'm paying them off each month. 

Chase claims I forfeited any grace period for purchases when I accepted the balance transfer option. I'm in banking and I've never heard of such a thing. This is an illegal and unethical attempt to generate high percentage interest on items that have been paid off within 30 days of purchase. 

I have called and inquired each month, just to check my math and avoid confusion, to determine the amount I needed to pay to avoid purchase interest and have always paid more than advised. However, I continue to get interest I should not be getting. 

They've also tricked me into paying down my low interest balance transfers, which I paid a balance transfer fee on. No payments are supposed to be required on the transferred balances other than the low, promotional interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: IMPAC MORTGAGE 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:
On XX/XX/2020, Cash Call Mortgage Company ( CCM ) located at XXXX XXXX XXXX XXXX, CA XXXX ran my credit without my permission. I found out through notification from my credit company ( XXXX ). I called chase and asked to freeze my credit. This is an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company ( Port Folio Recovery ) continues to harass with phone calls. They have been asked on several occasions to stop calling and to update their records to reflect that I have been issued this telephone number with a new service line from XXXX XXXX. I am on the verge of having to request a new telephone number due to their non-stop harassment and illegal actions. I have even contacted this company via their website and through their chat reminded them that this is a new number for myself and not the person they are seeking. 
This company should not be allowed to conduct business any longer due to their illegal actions. 
Apparently they seem to be paying off the correct public official that they are not held accountable for their illegal and harassing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update or correct of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 non-monetary relief
Consumer complaint received 2018-05-07
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-04-16
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage assigned an FHA Case Number fraudulently before they had Fully Executed 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 2018-04-11
Company: Schachter Portnoy, L.L.C.
State: NY
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:
XXXX XXXX threatened to sue me via Schachter Portnoy. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BHFC Financial Services INC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On Saturday, XX/XX/2020 at approximately XXXX, I learned my vehicle had been repossessed by my financial institution BHFC Financial. On Sunday, XX/XX/XXXX, I spoke with customer service manager XXXX. Despite the fact having documentation proving that I payed all my car payments, he informed me that I was behind on payments. XXXX stated that I owed partial payment from XXXX and a full payment from XXXX and XXXX. XXXX also stated they didn't receive payments for two months and then referred me to the recovery department. I then spoke with XXXX in the recovery department who told me that the company was not willing to work me anymore to which they never did work with me! They often would not communicate with me at all about the payments not being received ; they did not send me any notices stating that I defaulted on the loan at all! XXXX told me that in order to get my vehicle back, I need to pay {$13000.00} including a repo fee included in the price. The original cost of the car was {$10000.00}. They not only didn't contact me, but they didn't contact any references! I am sad, stressed, and in disbelief. This is not how a paying customer should be treated! I couldn't believe that a company would take my car after I paid them every time! I am a single mother with a baby and I need my vehicle to care for my child!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 the funds available were {$20.00} and suddenly I found that the balance was Negative - {$490000.00}. 
I went to the Bank and I as going to deposit a check, and was when I realized the account was blocked, so i couldn't make any deposit. 
Since then I have been with a blocked account, and they decided to pout almost half XXXX dollars negative in my account

Company response to consumer: Closed with explanation