BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We initially filed a complaint with the Consumer Finance Protection Bureau on XX/XX/XXXX regarding our disaster modification to which we received a response from XXXX XXXX XXXX on XX/XX/XXXX informing us that the late fees assessed were removed and future late fees would not be assessed. Additionally, we were told that the forbearance would continue through the end of XX/XX/XXXX at which time the disaster loan modification would be processed and that an application would not be required. 
The dealing with Freedom on this disaster modification has gone from a comedy of errors to negligence and incompetency to gross negligence. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX from Freedom Mortgage informing us that as a result of RESPA and the 60-day rule that Freedom would report our account as delinquent onXX/XX/XXXX. I  immediately telephoned Freedom and after not getting a resolution, I asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks and the reporting would not be an issue. 
In reviewing our credit report, Freedom reported to the various credit agencies as the mortgage as being delinquent on XX/XX/XXXX ; a violation of RESPA requirement stated in their XX/XX/XXXX letter. 
Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 
I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one, we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 
Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification. As a result of Freedoms gross negligence, this negative reporting is now causing issues professionally. In addition to this complaint I am also filing a complaint with the Florida Office of Financial Regulation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: ACS Education Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were serviced by ACS from XX/XX/XXXX to XX/XX/XXXX. The loan amortization schedule I have from those dates is Wrong and most likely criminal. Also in XXXX while I was XXXX  for my first child I was struggling to pay my loans. I was told at the time, that forbearance was my best option. Looking back this was a huge mistake. They carried this capitalized interest from the forbearance for XXXX XXXX years, which added {$10000.00} dollars to my student loans. I requested paper copies of the loan amortization schedule and received a few lines of useless information followed by mostly blacked out bars of missing information. It seems they were covering up for a huge fraud with incorrect interest application, or my student loans were somehow part of project blue book. I found some paperwork in my old files and went through the schedule and have found some incorrect, frankly predatory payment allocations. The principal of the loan was never being paid, only the interest for 7 years. The balance never went down it only went UP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am victim of identity theft.The information appears on my credit report does not relate to any transaction ( s ) that i have made. It is the result of identity theft.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email on XX/XX/19 from Synchrony Bank at XXXX, XXXX and XXXX. The email says : A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder and Action Required On Your Application. I did not apply for anything. I tried calling Synchrony Bank several times and the calls kept getting dropped. I spoke with the Federal Trade Commission who said they have been receiving calls about the same emails other people are receiving! I need this account closed immediately.

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 2023-07-29
Company: Experian Information Solutions 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: SC
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 refuses to update the information in my Credit reports. All of the three accounts were in the XXXX  XXXX bankruptcy. I called them a week ago and provided them with the attorneys name and case number. I have disputed at least three times.

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 2023-01-26
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NY
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:
XXXX ( XXXX ) is in violation of several laws that are allotted to me by the FCRA ; 15 USC 1681i ( 5 ) ( A ), 15 USC 1681 B, 15 USC 1681 C-1, 15 USC 1681 C-2. XXXX, Equifax, XXXX did not have my written consent to furnish any information on my credit report. Since you did not have my written consent to furnish any information on my credit report according to the FRCA it is constituted as identity theft. Since this late payment is on my credit report as a result of identity theft it must be taken off of my credit file. Moreover, when you guys closed the account you did not send my statements to my address. Since I was not getting my paper statements i was unaware of the due date causing me to fall behind on the payments. Moreover, on XX/XX/XXXX, I called XXXX and they notified me that XXXX only reports 60 days late and the representative went ahead and reverse the late fees and the interest payments and told me that since she did the reversal the monthly payment was satisfied and i did not have to make a payment. On XX/XX/XXXX I checked my credit report and i have a 30 day late payment on my experian profile. If i knew that i was going to be reported as 30 days late i would have made a payment on the XXXX when i called in. The calls are recorded and monitored and you guys can go back and check that conservation that i had with that representative. Due to the misleading and false information that i got from a trained employee at your company, i have a late payment on my credit report. Also, on XX/XX/XXXX i spoke to XXXX, who was rude unprofessional and XXXX. He constantly hung up on me and even blocked my number from calling in when i wanted to speak to a manager. XXXX closes at XXXX XXXX  XXXX and XXXX took it upon himself to cut off the phones to the customer service line at XXXX XXXX. I was unable to call in and speak to a manager to get my concerns addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express harassed me at all of my known addresses for over two years. I applied for their business charge card and i still haven't received it. I believe that would be the proper restitution for their crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: TN
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 have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX since XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to XXXX or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, XXXX begins to send me stressful threatening letters demanding payment or I will suffer legal action. XXXX also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on XXXX 's part.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: LA
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 explanation
Consumer complaint received 2022-01-13
Company: Navient Solutions, LLC.
State: TX
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:
XXXX Navient has not participated in fair practices for repaying my student loans. I graduated in XXXX and have been paying for several years now with virtually no change in the amount owed on the loan. The original principal on the loan was {$20000.00} and was disbursed in XX/XX/XXXX. The payoff was set to end in XXXX but now has been pushed back to XXXX and the remaining amount on the loan is {$20000.00}. The worrying and upsetting issue is that very little of the payments have been applied to the principle. For example, on XX/XX/XXXX, a payment of XXXX was made on the loan, but {$110.00} went to the principal and {$280.00} went to interest. Another payment example was on XX/XX/XXXX where a {$420.00} payment was made on the loan, but only {$58.00} was applied to the principal and {$360.00} went to interest. More examples can be provided without hesitation as this has happened on every payment that was made since the first payment on the loan was made. It does not make any sense whatsoever that after paying on the loan since XXXX that there is no change in the amount owed. At this rate, I will be paying on this loan for the rest of my lifetime and is a prime example of predatory lending. I contacted Navient about this issue and received no resolution nor any answer to why more was applied to the interest and not to the principal. They offered no option of resolving this issue and left it as a " we're sorry but that's the way it is '' kind of feeling. Even on a so called " variable interest rate '' this should not be happening. This is beyond criminal behavior and for a family that needed help sending their daughter to post secondary education, we have been taken advantage of for over a decade from Navient. If nothing is resolved, legal action will be pursued and we will not be afraid to bring this to attention. Navient should do the correct thing by forgiving this entire loan due to unfair payment practices and taking advantage of yet another family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CHXXXX on eq XXXX Bk Chapter XXXX-dismissed XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX XX/XX/2006 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
PLEASE VERIFY THIS ACCOUNT, BECAUSE THIS INFORMATION IS INCORRECT 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 explanation
Consumer complaint received 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America and its agents willfully and repeatedly made phone calls and left messages in violation of Regulation F. In XX/XX/2022, I received voice mail messages that included : - My full name - That this is an important business matter - That a representative had options to benefit me - Statements that Bank of America had tried to contact me previously The above content is outside of the definition of a limited content message ; as such, Bank of America should have applied a cooling off period between collection attempts but did not do so. Each attempt was within much less than seven days from the prior. These voice messages have been saved and can be provided to regulatory agencies as warranted. 

These are the attempts I know about because Bank of America either used the same XXXX or left a message ; however, it is possible that additional attempts were made. 

Bank of America and its agents also placed collection calls to me after I accepted and made timely payments toward its own payment program. When I returned its call on XX/XX/2022, its agent could not tell me why the call was made and later suggested that they wanted to schedule a payment. 

Bank of America continues to engage in unfair and unclear practices that are not in the interests of consumers. I placed a call to Bank of America on XX/XX/2022 to inquire about bringing my account current via reage after having made three consecutive payments as agreed. Bank of Americas agent explained that it can not commit to a timeframe for reage and that a review would happen up to eight months later. The representative advised that there was not a way to request a sooner review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands 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 explanation