BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached are letters from XXXX/Comenity Capital bank and The Bureaus. All 3 companies have been sent demand letters for the following : Original Contract with my signature Pay Off Disclosure Interest rate Disclosure Balance history Payment history Credit Insurance A copy of a check ( payment ) from myself All three of these companies as you can see sent me excuse letters. Ive received nothing of what Ive asked for, nothing!! Now the statue of limitations/4 years is over and in the State of Pennsylvania thats the maximum time they can collect, and since they can not show us even one payment from myself, there is a no payment history, and were not believing their made up schedule. So Im asking once again after 4 years, REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-09-19
Company: KEYCORP
State: OH
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/2018 I received a letter from Key Bank regarding my recent application for a Key Bank Home Equity Loan. In the letter is references my XXXX   score dated XX/XX/2018. I never spoke to anyone at Key Bank authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, It is about a gap of my house insurance coverage with loan from Chase Bank. 
My account # in Chase : XXXX. 

I was told by Chase in XX/XX/2021 that I need insurance for my house. Before that, I had never received any notice informing me that the insurance expiration from either Chase or the Insurance Agent XXXX. 

I immediately purchased the insurance which took effect on XX/XX/2021. Then I was told by Chase in XXXX that there is a gap between XX/XX/2021 -- XX/XX/2021 needing further insurance. 

I contacted my Insurance Agent XXXX to cover that peroid of time. But XXXX refused to cover that past days. 

My understanding is that insurance if for the coming days. But per the Chase 's notice, I will be charged {$93.00} by Chase for past days. It sounds like Chase has the power to define the past days as future and forces a weak custumer to pay for it. I contacted Chase via both online and phone call. The probles was solved. 

I felt being bullied and hope this can be solved fairly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to all three bureaus XXXX, Equifax and XXXX  XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I went inside my home B.O.A. branch to withdraw $ XXXX from my demand checking account ( {$130000.00} balance for months ). The branch Manager approached me in line and asked what I needed. I explained I was there to withdraw cash from a Platinum Honors account. 

When I got to the teller, she told me she didn't think the bank had that much cash, but had to check with management. the Teller spoke to the Assistant V.P., XXXX XXXX, and they both came and told me they did not have that much cash to give me and I should have 'called ahead '. There was NO alternative options given ( we can give you $ XXXX today, or check this branch ). It was simply 'you didn't call ahead and we don't have that much cash '. At that time, before exiting the branch, I told Mr. XXXX if I had to come back, I would close my account. They had plenty of time to give me options. 

I immediately went to one of my other financial institutions and withdrew $ XXXX with no problem. On XXXX I went back to B.O.A. to close the account. I filed a formal complaint with the bank. They acknowledged receipt of my correspondence and said it was escaladed to management. I do not anticipate hearing back from the bank as I am no longer their customer. I should have not have had any issues accessing funds from a demand account.

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 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX night, I tried deposit {$2000.00} cash into my checking acount, at Bank of America, address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I use the drive thru ATM, I counted {$2000.00} cash both are {$100.00}, then machine just eat {$800.00}, returned {$1200.00}. 
On XX/XX/XXXX, I walked into that bank talked to staff and manager, they said I will get temporary credit within 2 business days. 
On XX/XX/XXXX, I walked into that bank, talke to the manger and staff again because no one dollar get into my account. Then they ask me to call the service line, the service line staff told me I can get temporary credit within 2 business days. 
Yesterday XX/XX/XXXX, I walked into that bank again, because I still get nothing. The manager ask me to call the service line again, I called, there is a lady on the line, she said I can not get credit until XX/XX/XXXX! She said my account balance is too small, my claim is more than my account balance, she lied, in fact my saving acount have {$7000.00}. And her attitude is not respectful at all, when I said please speak slowly my English is not good, then she made weird noise, I have the phone records.

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 2020-10-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened new checking and saving accounts. Each time I try to fund the accounts the transaction is canceled. Ive tried funding from two different accounts. The first time I was told they couldnt verify I was the owner of the funding account. I was told by the Chase CSR to fund from a different account. I did so and those transactions were canceled and my online account access has been blocked until I go back into the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 upon checking my account regarding my stimulus payment I discovered several fraudulent charges dating back to XX/XX/2020 with the last one on XX/XX/2020. The fraudulent charges totaled {$2100.00}. All of the charges were made with merchants in foreign countries, some even stating that they were in store purchases. I have never traveled to any of these countries & especially not during this pandemic! I immediately disputed the charges, requested a replacement card, & updated all of my account security information! The customer service representative that assisted me failed to document the correct charges to dispute & only disputed a fraction of them! I submitted all requested documentation along with verification that a police report has been filed! I have spent several hours over the phone with them on different occasions & was just told to wait the 10 business days for a provisional credit! I then received today, XX/XX/2020, an email from them indicating that my dispute claim has been denied and that they will not be refunding me my money! Some of the transactions totaling {$500.00} were refunded & placed back in my account! However, {$1600.00} is still gone! This is absurd, the transactions are blatantly fraudulent! I am a single mother of XXXX small children whom is unable to work at this time & desperately needed my money! 

On XX/XX/2020 I received a response from American Express Serve after submitting an initial complaint with CFPB & XXXX  regarding this matter! Amex serve indicated that they would re-review the dispute & requested that I once again upload a fraud acknowledgment form! I provided all requested information for a second time & waited the 10 business days again, only to receive an email from Amex on XX/XX/2020 stating that my dispute was denied! I dont know what else to do other than to seek legal counsel & advice with filing a civil suit to recoup my money! The charges are blatantly fraudulent, as it was impossible for me to be using my card in a foreign country while Im at home in California, US & I do not even possess a passport to travel outside of the US! I need my money returned! Im baffled that during these trying times with the pandemic that this bank can be so calloused & degenerative in regards to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It has come to my attention that Navient has not been counting my payments for years. I have made small payments and my balances have remained the exact same. No change at all. I have been writing them for months and they refuse to acknowledge these payments. Even recent payments I have made. 
They are punishing me for forbearance which was administrative due to them being sued. So it is their fault that payments were stopped but they were still charging interest and not counting payments. 
I need help. They refuse to apply these payments and lower my total balances. 

I am sending the proof. At the bottom of each loan you can see several payments made. They tried to say that my payments went to interest but at the same time told me my balances were to sum total of my interest and principal. 
So they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: TN
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:
CHECKING MY FILE alot of information is invalid I am interested In disputing all incorrect information on my credit report with Equifax. please update and remove all information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried working with Transunion in regards to many unauthorized inquiries on my report. I told the representative that these inquiries are not mine and that I have a fraud alert on my credit report so why are there inquiries without my authorization and ask them to verify the inquiries on my behalf. They refuse to and said they can't do it and I have to call each individual company and dispute it with them. Since I didn't authorize the inquiries I feel its Transunion who should verify the accuracy of the inquiries. They refuse to. Please help me file a complaint against Transunion and help me remove these unauthorized inquiries. I have list the inquiries below. 

1_ XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 2_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 3_XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 4_XXXX XXXX _ Inquiry date XX/XX/XXXX 5_ XXXX XXXX _ Inquiry date XX/XX/XXXX 6_ XXXX XXXX XXXX _ Inquiry dateXX/XX/XXXX 7_XXXX Auto Finance _ Inquiry date XX/XX/XXXX 8_ XXXX XXXX _ Inquiry XX/XX/XXXX 9_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 10_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 11_ XXXX/XXXX  XXXX  _ Inquiry date XX/XX/XXXX XX/XX/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 2020-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. Why is Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %? 

I write a Complaint, and the Complaint is not giving me the Mortgage Code Statutes supporting this FRAUD of a Predatory Loan. 

2 Questions : Where is the Code Statutes SPS and XXXX XXXX are using to support their 7 % Predatory Loan Rate of 7 %?? 

Why is the 7 % Rate NOT being reduced to 3-4 %????.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-05-19
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Kia motors Inc. financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly

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 2021-04-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. 

When I bring this to the attention of the CFPB, what happens?! I receive a " courtesy offer '' for a repayment plan that increases my payment from {$1300.00} to {$2200.00}, that just might be the most courteous thing anyone has done for me. That is a joke. 

This is a global pandemic and anything less than you deferring or modifying my unpaid payments is a clear violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this in regards to my home that is in a trial payment plan. We were given a payment plan in which we have kept the payments for four months. We are on the fifth and the sixth is the final payment. Recently, we heard from a third party that we need to be careful with Rushmore Loan Management because they cheat people. We are concerned that we have been making these payments only to be XXXX in the end. Our house is up for sale on the XXXX of XXXX. I am confused to why this is happening, even though we have been making payments? There should not be any type of sale going on for our home. We've also received multiple letters in the past about our home being postponed for foreclosure. This is also a problem/confusion. 

WE DO NOT WANT TO BE CHEATED! 

Its unbelievable to me how people can be cold-hearted during a pandemic and take someone's home from them and put them on the street. 

I would like CFPB to look into this and make sure that this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: OH
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 account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from Experian and XXXX. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.

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 2018-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX check amount {$48.00}. I closed the account due to fraud. Need this to be removed and deleted from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Telsa Motors Inc
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Tesla has been charging my solar energy equipment lease account a {$7.00} monthly non-ACH auto pay fee since XX/XX/XXXX to XX/XX/XXXX even when I have a {$900.00} credit balance sitting on my account. I paid a total of {$52.00} in non-ACH fee in total without any payment services performed by Tesla. I earned no interest on the {$900.00} credit balance and the balance was more than sufficient to cover monthly payment of {$52.00}. I have no idea where this non-ACH fee came from and try to contact Tesla for assistance. Customer service rep responded via email stating I need to setup auto pay to remove the {$7.00} non ach fee each month. I don't understand this requirement as the credit balance on my account was more than sufficient to cover monthly payments for about 18 months. Tesla does not have to process ACH payment ( or non-ACH ) each month due to the large credit balance on account.

Tesla is padding erroneous fee on solar equipment lease agreement to take advantage of consumers not reading their monthly billing statements which is only available online not via paper statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation