BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: Four Directions Lending LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have gotten a loan with high interest rates, but they had told me I could pay it off in a week or month if i wanted, but they are refusing to take my calls, and their online website doesn't actually let you log in to an account to pay anything off. They won't give me information on my loan and by not responding to my attempts to pay off the loan to avoid interest rates, I'm being locked into a 777 % interest rate for a year and I can not financially afford this. I have been attempting to reach out to them to pay this off but they are using deceptive tactics to avoid this. The last phone call I had with them, I had asked them if I can pay off the loan, they replied to that with " sorry I can't hear you, and if I don't get a response, I am permitted to hang up '' and then my number seemed to have been blocked after that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed a FTC report because I found fraudulant accounts on my credit report and nobody was helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive been actively trying to resolve this concern with Chase bank for the longest time since I was reported late 30 days, twice, on my credit report due to no fault of my own. 

I have spoke and confirmed this with a Chase representative who agreed with me the system Chase uses is false and leads to misinformation regarding accounts. 

The Chase system does not show correct account activity when payments are made to their Auto Loan accounts until the entire balance is processed on its own. 

Since the beginning of the lease, Ive had nothing but trouble trying to have my payments made and processed through chase without being charged some late fee when my payments are made on time. 

Back in XXXX 2018, I noticed the payments I had been sending to Chase for my car were not being reflected on the balance. My car payment due is {$270.00} each month, if I submit a payment for {$170.00}, that payment does NOT get applied to the balance whatsoever. It will STILL reflect an amount of {$270.00}, instead of {$100.00} thats is owed, which is misleading and completely not fair. 

It leads me to not know exactly how much is due after processing payments because even under recent activity, it does not show the past payments Ive made on the account. Only payments Ive made months prior show up and not recent made payments. 

Its not fair Chase does not apply the amounts Ive paid to my car to help show the right balance due on my car, this purposely misleads customers like me and we end up being penalized for not paying when weve processed multiple payments to our loan. 

I should have not been reported late 30 days for a past due balance of {$30.00} when I had made those payments and if chase updated the balances correctly customers such as myself would not have been reported late. 

Im kindly asking for chase to review and kindly update my credit report to reflect good standing due to bank errors that dont seem to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: BOK FINANCIAL CORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed the complaint with the same company in XX/XX/XXXX (Complaint number: XXXX) and reached the agreement to pay monthly mortgage at the amount of $XXXX. Last Friday (XX/XX/XXXX), I received the letter (Attached) from the mortgage company saying that they are going to increase the monthly mortgage from  $XXXX to $XXXX effective XX/XX/XXXX. I really don't understand why they are doing this again when we have agreed for the monthly payment at the amount of $XXXX with CFPB's help in last XX/XX/XXXX. I don't have any late payments with them. For me, there is something wrong with their system or they are doing this on purpose(?). I really don't get it and it's so stressful for me receiving this kind of letter time to time from the mortgage company when I make the payment on schedule all the time . Can you please help me with this issue? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2020-02-24
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am writing to ask that you look into the predatory banking practices of Discover credit card. 

I am currently reeling from a shocking phone call I received on XX/XX/2020 from Discover, a credit card account I opened just 7 weeks ago. Discover demanded I release my 1040. If I did not comply, they threatened to close my account. This has all been verified. It was indeed Discover. See attached.

I held a savings account at Discover Bank for over 8 years before deciding to open a Discover credit card. Following the normal credit application procedure, I unfroze all my credit reports, one at a time, at all three credit reporting agencies. Once approved, one by one, I refroze each credit report.

Less than 7 weeks after receiving my card, I received a call from Discover card telling me to check my email and to respond to their request for the release of my 1040. ( see attached ) Shocked, I demanded to know why?! They claimed they saw unusual activity on my account. I hung up and called the number on the back of my card. I was then informed that my card had been put on a temporary hold until I complied and if I chose to not comply, my card would be closed in 2 weeks. Reason given : unusual activity. What in the world was going on? I was also locked out of reviewing my own account activity! My heart raced like never before! They said I had agreed to the use of this action per their user agreement. I could not argue as I did not read all '20 pages ' of it.

I hung up and called Discover Bank where I have held a large account for over 8 years. I begged their assistance. They agreed this was disturbing but failed to intervene. What was happening to me?

In total panic, I contacted the agency that monitors my credit activity fearing I may be a victim of identity theft. NO unusual activity. What is  going on?! 

I am a senior citizen with pristine credit. I've never missed a bill in my life! 
Are they randomly targeting seniors?

I am NOT complying with Discover 's demands. In fact, I immediately closed the card. I have also closed my account at Discover Bank after they failed to intervene on their own product.

4 days after closing both accounts, I CONTINUE to get emails from Discover continuing to ask me to release my 1040! ( See attached ) They have no right nor reason to be demanding this very personal information.

Please investigate this as it is clearly predatory activity.

Thank you. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The most immediate issue here is a FCRA violation by the current servicer, NewRez LLC dba Shellpoint Mortgage Servicing, by illegally reporting to two CRA 's - XXXX  and XXXX  - that my account is in arrears. The illegality here is due to the fact that I have not made any payment to Shellpoint EVER, and the last payment to the prior servicer ( s ) was XX/XX/XXXX to XXXX XXXX XXXX , XXXX . The last date that this account could be legally reported would have been XX/XX/XXXX. 

This is also the SECOND time this has happened. They did the same thing in XXXX. 

The way they attempt to skirt the time limitation is to falsely claim that I entered into a modification agreement and made payments to them in XXXX and that my payments are " as agreed ''. This wrongly gives them the ability to publish a 120+ day delinquency on the account which seriously reduces my credit rating. 

I have written to the CRAs and, in fact, issued complaints against them here. I also faxed a letter to Shellpoint in my name, and my attorney contacted XXXX XXXX of XXXX XXXX in XXXX, NY, the attorney for Shellpoint/XXXX  XXXX  ( current purported owner of the Note and Mortgage ). So far, they have not responded to the CRA or to me, nor has Ms. XXXX responded to my attorney, XXXX XXXX, XXXX. 

This case began with a foreclosure filed on XX/XX/XXXX, which is still ongoing. We have won several recent motions, one of which required Shellpoint 's attorney to pay {$600.00} in costs to us and the other recent granted motion was to vacate their " Note of Issue '' and Certificate of Readiness for trial. This is a costly one for them to lose since they now must provide meaningful discovery and then pay again the filing fee for a Note of Issue. I believe an argument can be made that the conduct is not only repetitive but retaliatory. 

The initial case was brought by XXXX XXXX XXXX , XXXX and was based, I believe, on a scam similar to ones cited in your File No. 2015-CFPB-0019 consent order against this company ( which is now essentially out of business due to your efforts ). They had received my mortgage from XXXX which had serviced the account and with which I never missed a payment ( as I did not with XXXX  until they involved me in their escrow scam ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: NC
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:
*FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT FROM MYSELF *FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT

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 2020-02-24
Company: Experian Information Solutions Inc.
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:
There is an illegal collection which has continued on my credit report after providing the necessary documentation for it to be removed. There was a letter provided by the court to the credit reporting agency and all of the supporting information yet they did not remove it from my credit report. The company was contacted directly and they ignored. There is no monetary judgement after an illegal debt collection attempted at town court. The company XXXX XXXX XXXX attempted to collect {$2400.00} at court for one months rent which was actually {$900.00} the amount of {$700.00} had already been paid plus estimated {$1000.00} in security deposits for the unit. I have a statement from the company which shows no damages and a letter from the courthouse which states no money owed. The collection was illegal and it still is. It is preventing me from securing stable housing in the future.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I received an email from Experian stating my credit score had changed. I logged into Experians home page and noticed my credit score had dropped 22 points and when I checked the credit report against the credit reports I had already downloaded I noticed there werent any changes such as inquiries ( They were exactly the same ). I called Experian to find out how could my credit score have dropped 22 points when there werent any new information or inquiries provided to them? I was first told by the agent that I was right that nothing had changed but Experian wasnt in charge of my credit score dropping and that they only go off information provided to them. I was then told I would have to hire a financial professional. 
This argument didnt make sense at all and asked to speak with a Supervisor ( XXXX ), XXXX stated the same XXXX argument and when I asked her If there wasnt any new information that would impact my credit that wasnt already there but Experian dropped my score how could you say that Experian is only going off information provided? XXXX wasnt able to intelligently give me a plausible reason but continued to spout that I had to hire a financial professional so I hung because they knew their argument didnt make sense and I wasnt getting anywhere. 

Experian Membership ID # 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 2021-03-24
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had a credit card with XXXX XXXX that the minimum had gotten too high. I was unemployed and couldn't pay it. I tried to get XXXX to work with me on a payment plan, but they wouldn't and eventually charged it off. This was a couple of months before the CARES act and the {$600.00} federal UI assistance. Now multiple firms have been harassing me over this debt. This firm called XXXX XXXX has started now. I even received something in the mail stating that there may be some type of judgement against me. I am once again unemployed. I haven't had income since XXXX and have been living off of savings and investments the past few months. This is predatory behavior, and I want the phone calls and letters stopped. I did make an effort to try to pay this debt before it was charged off, but the original creditor was unreasonable. Now they have purchased the debt and intend to make a profit off of me while I am unemployed ... during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate, unauthorized and unknown inquiries on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the inquiries to be removed from my credit report. These inquiries are adversely affecting and damaging my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES, PLEASE REMOVE PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I SENT MONEY THRU XXXX AND CHASE TO MY FIANCE TO MAKE A PAYMENT FOR MY WEDDING VENUE ON XX/XX/2020 AND WE HE WENT TO RECEIVE IT SAID HE COULD NOT RECEIVE IT WE CALLED CHASE BANK AND THE THEY CAN SEE IT IN SOME LADY ACCOUNT AND SHE HAS A CHASE ACCOUNT SO THIS WAS AT MIDNIGHT WENT TO CHASE THE NEXT MORNING XX/XX/2020 TO TRY TO GET IT STRAIGHT THE LADY AT THE BANK SAID THEY COULD TAKE IT BACK AND PUT IT IN MY ACCOUNT THAT DID NOT HAPPEN THEY TOLD US THEY CAN SEE IT IN HER ACCOUNT THAT HER NAME IS XXXX THEY OPENED UP A CASE XX/XX/2020 CASE NUMBER XXXX FIVE DAYS LATER THEY SEND A EMAIL SAYING THE TRANSFER WAS GOOD EVEN THOUGH IT WENT TO THE WRONG PERSON SO I CALL CORPORATE OFFICE OPEN ANOTHER CASE AND FEW DAYS LATER THE EMAILED ME AND SAID THEW SAME THING THAT THE TRANSFER WAS GOOD AND THERE WAS NOTHING THE COULD DO BUT WAIT TILL THE LADY CALL THE BANK ABOUT IT WE ASK IF THEY WOULD SEND A CERTIFIED LETTER THEY SAY NO THE TRANSFER WAS XXXX DOLLARS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Bank of America account that was said to be opened in some time of XXXX in my name. They attempted to collect somewhere around 500 $ of debt I had no knowledge of, they stopped reporting and it was gone. Within the last year, it has popped up under my name and in my attempts to collect it. I again told them that it was unauthorized and I had no knowledge of it- they did not listen and started reporting on my credit score which bought it down dramatically. I have done all I could. How could I provide proof about not knowing about an account I did not open? I am a  XXXX XXXX  that has banked with Bank of America for almost 8 years. I'm thinking of prospectively closing all of my accounts permanently. More than once I've asked them to send or give some sort of validation about the debt to show it was mine and I have never received it. Not only have they been violating consumer trust relations- but they have also been unlawfully reporting on my credit report ( since the statutes of limitations are 7 years ). I'm at my wits end of what to do. Without first providing written verification, they have been in violation of the Fair Debt Collection Practices Act.  Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. I would greatly appreciate any efforts to look into and resolve this for me. I'm not sure what else I could do on my end.

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 2021-03-24
Company: Resurgent Capital Services L.P.
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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I received notification of a debt from a debt collector in XXXX. The original collector was XXXX XXXX  XXXX in XXXX WA. I never used services from XXXX XXXX XXXX and took almost six months resolving this issue and getting this removed from my credit report. In XXXX this appeared on my credit report again, this time from a different debt collector named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX. 
I attempted to resolve this fraudulent account with XXXX XXXX XXXX and was treated rudely every time I contacted this company. My written correspondence to this company was ignored and as a final attempt I am reaching out to CFPB to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a fraudulent email asking me to wire funds to Bank of America Account. 

When trying to report it, Bank of America does not allow it unless you have an account at their bank. 

The account is most likely getting a whole bunch of less cautious folks money as I write this. 

I tried emailing XXXX and Calling their fraud department. I do not have an account with them, so can not stop the thief. 
Account given was : Bank of America XXXX XXXX, NY XXXX XXXX Acct Name : XXXX XXXX XXXX, XXXX  Acct No : XXXX SWIFT : XXXX Bank of America, N.A. XXXX XXXX, XXXX XXXX, New York 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