BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Motolease, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hi my name is XXXX XXXX, I purchase a used XXXX XXXX from a Dealer and the Financial institution that I use for the lease is MotoLease I was already approve for other motorcycle but end up finding a one of my dreams so I decide to ask Motolease to finance the XXXX. i contact them with the owner of the XXXX who has a dealer. I give the dealer {$1500.00} cash because they where selling me the XXXX for {$9600.00} and with the dealer fee, registration and plate well they say the you will finance {$9000.00} and the contract that I saw and sing was for 3 years or payoff {$9000.00}. OK, like a week ago I received a notification about my credit report when I look up its says New MotoLease auto loan well I fallow the steps and when in to that exact report and read that MotoLease Loan is for {$18000.00} the double of the price and the contract that i sign. i call them they says they have the contract sign but Im sure I read what the dealer guy print and there was nothing about % 100 interest and the lady who answer my call say that it was base on my credit and my credit by the time was XXXX fico score. I tell her no body will accept that deal if knowing that the bike worth half of the loan they make. So what I want here that they do a fair deal because these is abusive and {$18000.00} 5yrs is ridicules fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used the Chase Bank Mobile app ( Quick Pay ) on XXXX/XXXX/XXXX to send funds ( {$100.00} ) to a friend. using her valid Phone No, name and email which had already been setup on my account before. so i then called her after sometime to confirm if she received the funds but she told me she has not. this came as a surprise to me as this system works instantly especially if its an inter-bank transfer ( within same bank ). i called her again after some time and she said she has n't received the funds yet. so we cross checked her details together and found out that the email i used was n't her default email on her account no more. she had changed this email. however, still owns this email and also this email is still listed on her account but not just as a default email. i then thought this funds will be reversed to my account but it was n't. i called the bank on different occasion they initially told me it went to someone else account and they will try and reverse it has this person had already withdraw-ed the funds and that i should be calling them to check. i kept on calling and they kept giving me different explanations. my issue with them is that how could this fund go to a different account as that account can not have the same email with my friend. they Bank told me its possible that the funds got credited to an account using same email with my friend i argued with them that this is can not be possible as no one can share same email address within the same domain. i just got off the phone with them now where they told me they can not reverse this funds or contact this person which whom the funds went to his/her account. i 've explained to them that their system is flawed. but they told me that they are not liable to and can not refund they funds or help me in no way. This is not how to treat a customer. these funds should n't have been credited to a different account in no way and under no circumstance. please help. thanks and regards. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Ocwen and I believe that I have paid more into this mortgage then is required to be paid in full. I have had the same loan on this house since 1998 and believe it should have been paid off by now. Is there a way to find out if my payments have been applied properly by this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I pulled up my credit report in the end of XX/XX/XXXX. I noticed with the credit bureau, XXXX, there has been some hard inquires by the creditor CBNA. I have not applied for any credit cards or anything from CBNA for the dates of the inquiries. The inquiry dates are XX/XX/XXXX and XX/XX/XXXX. I contacted CBNA ( Citi Bank ) and spoke with a representative on XX/XX/XXXX about doing a credit reporting dispute. The representative seem to have doubts in what answer to provide me for a solution. He then proceeded and advise I fax a letter to a fax number that was provided. I, the consumer, had to initiated and ask what information do I need to provide in this letter to fax. Due to my lack of confidence with the representative and felt there was no resolution I am filing a complaint.

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 2019-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase loan number XXXX I received a letter from Chase XX/XX/XXXX. the letter was dated XX/XX/XXXX the letter said dear XXXX we are transferring your mortgage loan from GP Morgan Chase Bank to XXXX XXXX XXXX and your loan number is XXXX Page 2 of the letter signed by XXXX XXXX executive director clearly states the last day Chase will accept your mortgage payment is XX/XX/XXXX XXXX. 
Basically Chase release them self from my loan and there were no longer legally allowed to report anything on my credit report and they are not affiliated with XXXX XXXX XXXX. 
while I still have a dispute regarding my incorrect monthly payment with Chase the investigation is still pending with Consumer Protection Bureau Chase went ahead and illegally not being my servicer XX/XX/XXXX reported my loan as delinquent XX/XX/XXXX. Chase was not legally allowed to report me Late my mortgage payment XX/XX/XXXX I was not their customer any longer. because of Chase negligence and careless Loan Servicing my credit is damaged and I am not able to finance my leased car my credit score dropped over 300 points. 

All my credit issues are the result negligence Chase servicer. since XXXX never had one day late paying my mortgage payment. my FICO score was XXXX I am presenting you with a copy of my FICO score from XXXX Due to all the problems I had with Chase Mortgage three of my accounts were closed by creditors because of the low score and 90-day mortgage late on my credit report.

my FICO score on XX/XX/XXXX XXXX only. 

I am also providing you with one page Chase reporting my mortgage late and XX/XX/XXXX as a part of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Beard & Lane, P.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, a collection attorney ( Beard & Lane Attorneys At Law ) has charged my HOA account {$2700.00} for attorney fees when I was already in a payment agreement with the XXXX XXXX XXXX ( XXXX XXXX ) that I would make my own siding repairs at XXXX XXXX XXXX XXXX in exchange for a HOA Credit. I also paid for siding repairs and some credits were disallowed for {$2800.00} ( see attached invoices ) for {$18000.00}, while I was only credited {$15000.00}. In addition, I was charged {$1500.00} in late fees while I was making the agreed repairs. 

In addition, they have violated 3 FDCPA laws to include : 1. The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ). However XXXX XXXX has added {$2700.00} in legal fees ( see attachment ) and {$1500.00} in late fees ( see attachment ) to my HOA Fees. Beard & Lane Attorneys are applying my XXXX fees and credits to pay their legal fees and is threatening foreclosure in 2 weeks ( see attached ). 
2. They have Ignored my written request to verify the debt and continue to collect even though I made the request within 30 days of the notice [ 15 USC 1692g ] 809 ( b ). I sent a Validation of Debt letter XXXX/XXXX/XXXX ( certified mail ) and on XXXX/XXXX/XXXX, I was contacted by Beard & Lane to cash my XXXX HOA fees, which will be applied to their legal fees. I requested an updated statement with XXXX payments, which I have not received yet. 
3. I made a written request for the collector to cease communication ( see attached validation of debt letter ), but they emailed me on XXXX/XXXX/XXXX to ask me if they could cash my checks I sent for XXXX HOA. They can only contact me one more time, via mail to let me know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit reports, only to find that some agency called ERC ( XXXX XXXX XXXX ) had placed a collection on my credit report for XXXX XXXX on XX/XX/XXXX for {$380.00}. I have no idea what this is for or who this is. I have not received anything in the mail concerning this matter. I am sure that is just an oversight or error, but this needs to be handled asap.The information documented on behalf of this collection is incorrect and insufficient. This company is not in compliant with the FCRA which they stand by accuracy, fairness and privacy. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX XXXX and she said that the company was sorry about this and she would dispute this and have this item taken care of. I do not have a contact or any other documents from XXXX 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 2018-02-06
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I repeatedly receive calls from this company. They leave voicemails with dead air. Every time I call back, I tell them I am disputing this debt. Today they have already called three times. Each time is a different phone number. Ive called them back twice notifying them I have disputed this debt with the original creditor. I then ask to be transferred to a manager. Said manager rushes through his name therefore I am able comprehend him. Once I tell him Ive disputed this multiple times with this company and the original creditor, he then says they will remove my number from their call list. I then receive another call from the same company, different number calling about the same debt.

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 2021-01-28
Company: Experian Information Solutions 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:
The credit bureau is continuing to report an erroneous report on my credit file from XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted 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 non-monetary relief
Consumer complaint received 2020-01-22
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
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: Old information reappears or never goes away

Complaint:
The credit bureau is continuing to report an erroneous report on my credit file from XXXX XXXX XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX XXXXXXXX XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted 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 2020-08-29
Company: Sovereign Lending Group, Incorporated
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had contacted Sovereign Lending group from a direct referral from my XXXX current mortgage company for a refinance inquiry. I was simply inquiring about current rates and what my options might be. I was put in contact with XXXX XXXX, he asked some information and rattled off a few percentage rates. Then as I was on the phone with him, I get an email notice from my credit tracking service that they just did a HARD CHECK ON MY CREDIT REPORT! I did not authorize this, I did not agree to it, I was furious. I immediately told Mr. XXXX that I had been calling to only INQUIRE about refinance options and what the rates were currently at for conventional mortgages. I attempted to contact a supervisor and never heard back. I called yet again and someone told me I would get a phone call. But, at that point, its too late. The company and already hard checked my credit and now i had to scramble to look for refinancing options while it wouldn't further damage my credit rating. I definitely wasn't about to use Sovereign now due to this. THEN Mr XXXX XXXX had the nerve to mail me approx 100 pages of refinance documents with almost {$4000.00} in closing costs and saving me {$1.00} per month in mortgage payments. NOW i was mad and insulted and after he had the audacity to run credit when not authorized, is the reason for my complaint. Horrible and underhanded mortgage practices and terrible service and now they cant even fix the problem because you can not remove a hard  inquiry to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: KEYCORP
State: ID
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 requested Key bank to reverse the below transaction that I did not authorize Your Subscription Status Your Plans XXXX XXXX XXXX  Your subscription to XXXX XXXX XXXX was renewed on XX/XX/2021. 

Your credit card listed below was automatically charged XXXX XXXX on XX/XX/2021 for another year of protection. 

MY BILLING INFORMATION Order Number : XXXX Name : XXXX XXXX XXXX Card Ending In : XXXX Total Amount : XXXX XXXX Product Serial Number : XXXX XXXX Logo Hi XXXX XXXX XXXX, Thank you for ordering from XXXX. At your request, or at the request of the fulfiller and/or the manufacturer, we wanted to let you know that the items listed below have been refunded from your order. 

You can also find this information in your XXXX account. 

Your XXXX  Team RMA Number : XXXX Amount Refunded : {$100.00} Name : XXXX XXXX XXXX Order Date : XX/XX/2021 The representative XXXX told me she would have to cancel my atm card, I told her NO do not cancel, and I have gone through this procedure before with XXXX and they did not cancel my ATM card, I asked to look over the notes in my file, she refused THUS KB did not reverse this UNAUTHORIZED TRANSACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: NV
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:
So I've sent several disputes to Experian asking them to remove several accounts from my credit report and not only have they not actually done it yet but they haven't even responded to not one of my dispute letters. I am so freaking frustrated and confused because not only have I had to spend time writing these stupid dispute letters now I'm having to spend even more time writing this complaint because I am not receiving any responses back from Experian. Thank XXXX XXXX  and XXXX have been great and I haven't had to spend too much time getting their help since I am getting responses back from them and they are doing what I am telling them to do. I also thought there was a law saying these guys only had 30 days to respond back to my inquiry?? Well it's been way more than 30 days so I just want to know what the heck is going on here and why they aren't removing these collections and charge-offs 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 2020-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with Equifax, XXXX XXXX XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING  AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, XXXX & Trans Union to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status. 
I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!

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 non-monetary relief