BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi : Due to the pandemic I joined the help program for covid 19 forbearance, when I wanted to start paying again they sent me a proposal that far from helping me made my payments higher, I asked them to review and help me and then they sent me another proposal that was not good either but I already wanted to get out of this problem and I accepted. 
After several weeks they sent me the papers to sign, a notary public sent by Freedom Mortgage came and to my house and she was the person who told me how to send the papers, but after several weeks they told me that it was not right and that they were going to send me another set of papers, when they sent it they called me and told me it was wrong because the date had already changed and I had to wait for the new papers, when they sent the new set of papers the interest on the loan was changed to a higher one, everything This is for mistakes they made and now they want me to pay much higher interest than I had for all Freedom Mortgage 's mistakes, and when I call the answer is the same that I have to wait and that they can't do anything because I'm not accepted what they proposed to me, they do not even review or read what happened and much less are interested in solving it. I have spoken with supervisors and they have treated me very badly, apparently the fact of being XXXX is a disadvantage for because they have insinuated that I don't understand what they are talking about.

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 2021-02-14
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: Personal information incorrect

Complaint:
I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

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 2021-11-20
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:
I have been monitoring my credit score through XXXX XXXX and found out that there is a " loan '' reported on XX/XX/2021 by XXXX XXXX. I dont have any loan other than my car and my mortgage. I dont know what is this account for. I contacted them over the phone and they were telling me that they can open a dispute to clear this record but I had to give them all my information plus my SSN which i dont feel confident because i dont know who these people are and what they do. I need to know if you can help me to get clarification on why this loan is showing in my report. Unfortutanely, i dont have any documentation that I can provide as backup since this loan doesnt belong to 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 explanation
Consumer complaint received 2021-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 a letter in the mail from Bank of America stating they detected suspicious activity on a credit card and as a precaution they suspended the account. I called Bank of America and spoke to their fraud department. They said there appeared to be two lines of credit opened in my name as recent as XX/XX/2021. I told her that I didn't request a Bank of America credit card on XX/XX/2021, and don't recall having a recent Bank of America Account ( uness it was something I may have opened years ago ). She suggested that I contact the FTC for identity theft and gave me a telephone number of XXXX. I called the number and it directed me to their website. Their website directed me to this website. They also suggested I contact the three credit agencies and put a freeze / block on my social security number. They also recommened having a credit report pulled and file a police report for 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 2023-03-05
Company: Atlantic Collection Agency, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Atlantic Collection has placed a collection on XXXX for {$240.00}. No notice was sent no information was shared. I called to resolve no help. This is a medical collection XXXX XXXX of XXXX. I am a senior citizen and I have never been to this imaging center.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know what I am being penalized for. 

All of a sudden, I start receiving Late Payment notifications on my Credit Score. I do not know what this could be from. 

I have never previously missed payments for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-05-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
yesturday i reported something over the phone and did not get a rpeort number so i am writing to you. i tried to call chase bank at XXXX XXXX XXXX XXXX XXXX and could not get through for just under an hour. i then called their complaint center at XXXX to report this. he said they dont do that and i said i would report him to you. he rudely told me he did not care and dared me too. then he hung up. a report to you might have gotten thru at XXXX from operator XXXX. i could not get a complaint number and he said it would be on email-which it is not. i complained about chase once before and people are very rude now. if its not for you they may mismanage my account. why did they hang up if you cant help tell me who can since others have said you helped them on similar issues. addresses change at the bank with out my input or knowledge. is there something going on they dont want me to know because of a civil suit. id work with them if they gave information for an apprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Pursuant to the FCRA, it is EQUIFAX 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include the reporting of 120+ days past due on XXXX XXXX, and XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish these inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: LEXISNEXIS
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:
Lexis Nexis does not gove the ability to give me a free report, i need to send a form, i can not call them, we have spoken previously and she remembered my name? That is so wierd. I just need my report. Because i need to see what is on there and who, why, where, when and how certain companies can reserve the right to exclude informatio. To XXXX, XXXX, and XXXX, i dont have stamp money. I dont have money for a fax, and if i call and she remember me, i will be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received my payroll card but never activated it. I received a mew payroll card because i lost the other one. My company informed me i have to contact wisely to get the remaining funds from my other account/card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I enrolled in CareCredit ( Synchrony Bank ) back in 2017 with the purpose of paying for XXXX  XXXX. At the time of this report, I've learned that I was ( involuntarily ) enrolled in their " card security '' program. CareCredit claims that I did not opt of this program. Not only did I not have any awareness of their program until XXXX of this year, but I would've opted out given the option as it makes no sense to me. In sum, the company has been charging me for this fee since 2017 unbeknownst to me and as a result, my balance has accrued to an amount that exceeds the very purchase amount this card was applied for. 
The total amount ( current balance ) for this card security program totals XXXX ( fees plus interest ), which does not include past amounts I've paid to stay current with my balance. 

Please see attached copies of fees charged since XXXX. Unfortunately, all other statements were paper copies which I've disposed of dating back to 2017, but I'm sure Synchrony would be able to pull them up.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole XXXX, XXXX, TransUnion They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law

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 2021-10-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID, I was furloughed from my job. This put a strain on our monthly mortgage payments. This caused us to go into forbearance status. 

Once my job was reinstated, we were looking for an opportunity to lower the mortgage payments and decided to refinance with Rocket Mortgage. 
The mortgage company made an error during the refinancing process. They inaccurately stated what our monthly mortgage payment would be because they inadvertently left out the California XXXX XXXX XXXX XXXX amount. This was a huge error that they have admittedly made but yet have no solution except to expect us to pay the increased monthly payment. 

Summary of financial data : Prior to refinancing, our monthly payment that included taxes and all insurances was {$2000.00}. 

The cost of the refinancing was approximately {$100000.00} From the very beginning of all estimations the monthly payment amount if we refinanced with them was {$1400.00}. This amount was the key reason for our decision to proceed with the refinancing. 

After a year of us making the payment ; Rocket Mortgage is stating they made an error and did not include the California XXXX XXXX amount in the monthly payment. They are now expecting us to not only pay the extra needed amount of money ; {$4900.00} but to also endure the increased monthly payment from {$1400.00} that was stated in all closing documents that we signed, to now an increased monthly payment of {$2100.00}. 

This monthly payment amount is now HIGHER than the amount prior to the refinancing. Payment was {$2000.00}. 

We refinanced to lower our payment. Because of their error we are paying more than before plus the cost to refinance. 

We have reached out to Rocket Mortgage and have spoken to 4 different individuals who have offered no possible solutions that benefit us. After admitting their error they only expect us to make the additional payments and go away quietly. 

We are completely disappointed and dissatisfied with this company. We are reaching out for your help to come to a satisfactory solution that benefits us and lowers the payment as promised without us incurring any additional expenses. 

We would not have refinanced with Rocket if we had the correct numbers in the beginning. It would not have made financial sense. We are smart enough to know that. 

Thank you for your help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: FISERV INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hi, CFPB folks. 

The short of it : Having withdrawn my EIP credit from Money Network XXXX XXXX, I now want to close the account. But no method of closure is mentioned by either party, nor do they provide a way to reach a human by phone or email, nor did I get any response to my written request to their address-of-record. 

The history : In XXXX, I get an unsolicited debit card with letter ( from Economic Impact Payment Card '' says the front of the letter ; from Money Network Financial on the back of the letter ). No alternate way of getting the EIP credit is mentioned anywhere in letter ( or websites ) so I activated the card by phoning number provided. I also created online account, reluctantly. I used it to arrange an ACH transfer to my bank. The transfer arrived XXXX XXXX. 

But try to close the XXXX account? Impossible to find method to do such. Not mentioned on any website I can find, nor by calling phone numbers provided. No human can be reached, by phone or email. 

Most alarmingly, no response comes even after I send a letter to Money Network Financial at the address provided on original letter sent to me. So I'm left wondering : Are they not required to close the account if I ask? Are they not required to respond to me saying they will or won't close the account? Is it even my account, or is IRS the account owner in this case? 

PS. I understand there are good reasons for sending debit cards rather than checks, but a check would have been my preference. I have no interest in creating new accounts at new financial institutions. I am alarmed that XXXX XXXX Money Network Financial received personal information from IRS ( and from me, during the activation of the card ) and now will not even acknowledge my request to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Experian Information Solutions Inc.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXXXXXX The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report 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 2023-06-14
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: Their investigation did not fix an error on your report

Complaint:
I just got off the phone with an agent at Equifax who refuses to remove the inquires that are on my credit report that were included in the FTC report that I submitted on XX/XX/2023. The agent said they do not have a copy of the FTC report and therefore can not remove these inquiries that should have been removed 2 months ago. I already submitted the documents via the CFPB on XX/XX/2023. The CFPB complaint # XXXX. FTC report # XXXX I also included all of the other documents REQUIRED by federal law to have these fraudulent inquiries removed. I even double checked before calling Equifax today to make sure all of the documents were there. I also checked while on the phone with the agent and the FTC report along with my ID and proof of residency are definitely in the complaint I files in XXXX. It also show that Equifax opened the compliant. Which means they also received the document they are lying and saying they have not received. I was told by the agent even after giving her the FTC report number that the document does not exist. The same document that I sent and uploaded before... I will be attaching the same document TODAY. This is XXXX ridiculous. I am sure the company that is responsible did not have to go through this much XXXX and hassle to add this fraudulent info to my credit report. THIS IS NOT FAIR!!!

Company response to consumer: Closed with explanation