BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Corporation is in violation of 15 U.S.C 1666. ( b ) ( 4 ). Which states, the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Credit was extended to me based on my credit card, which is my social security card and means that the statement shows a positive balance as it relates to the balance owed when it should reflect a negative balance if it is actually owed. Since it reflects incorrectly this is a direct violation. 

Fact, I am sure the removal of any and all alleged delinquent payment history and account information from your website, company records, consumer bureaus or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights wont be violated due to my lack of consent, 15 U.S.C 1681b ( 2 ) Fact, please show good faith in this matter by expediting the securing of the alleged delinquent payment history, information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of defamation of character. 

Fact, 15 U.S.C 1666. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's 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 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Requested that replacement Capital One Venture credit card be sent to XXXX. On XX/XX/2023 recieved email from Capitol One stating card had been shipped. Capital One also confirmed by phone that card was shipped using XXXX XXXX. As of XX/XX/2023 card has not been recieved. Despite repeated requests Capital One refuses to provide a tracking number or any information regarding whereabouts of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.

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 2023-01-24
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2022, I received a phone call from what I believed was Freedom Mortgage. The call was received from the customer phone number on all my documents. The person on the phone new a lot of my information and informed me that they could help with a lowering my payments for my mortgage and helping to get back on track with my mortgage payments. They offered a loan modification and said that my Payments would not be at {$1200.00}. I was very excited. 

They then asked me for an upfront payment of {$710.00} to start the process and I proceeded to give them my debit card number. I did not realize it was a scam until they said that they could not process my card, it declined. Probably due to my missed payments and then proceeded to ask me for the amount in a money order. 

This is when I got suspicious cause as I said earlier the phone call came from the number I have saved to my phone from Freedom Mortgage. 

The guy then said I could call him back when I was received the money order. 
XXXX XXXX and XXXX was the two names he gave me phone number ( XXXX ) XXXX is the phone number provided to me to call back. 

I never did do the money order and also called my bank to close and get a new debit card. 

I then called Freedom Mortgage using the same number and informed them of what happened and all they said was that it was not them.

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 2023-01-12
Company: EQUIFAX, INC.
State: AL
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:
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. Account name : 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 ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
fraudulent inquiries on my profile. XXXX has deleted them but XXXX and Transunion have yet to follow suit. im asking for XXXX and transunion to delete the inquiries also because they are fraudulent

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 2023-01-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court. 

Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied. 

They still have not served me with court documents to appear in court. XXXX wants to garnished wages from employment when I can't even keep up with regular bills. 

The thread of garnishing my wages have me in a state of anxiousness, unable to sleep, and health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX The servicers is FCI my mortgage payment is XXXX They are getting the payments on time. now they said I have to pay them XXXX I pay my own insurance and my taxes are only {$120.00} per month {$1500.00} per year, they are not my principal and interest is {$530.00}. If my taxes are only {$120.00}, why are they putting on escrow {$370.00} These people are crooks. This loan was originally with XXXX XXXXXXXX XXXX XXXX loan # XXXX. this was a bad FHA loan from the beginning that XXXX XXXX was never able to sell. Finally on XX/XX/2022 Patriot lending assigned this loan to XXXX XXXX XXXX XXXXXXXX XXXX XXXX, with address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX they converted this loan from FHA to a conventional loan I guess. I never signed no documents, the terms of my loan was 30 year fixed. I have try several times contacting you regarding this matter, this people at this point are doing whatever they want with my loan, withouth no repercussion from the government agencies. XXXX XXXX is a foreign company transacting mortgage businesses in the state of Florida. They are not registered with HUD, nor FHA. I need you to please help me with my case, this has put a lot of stress on me and my wife. The loan is up to dated, except for this additional moneys they say i have to pay, which are not part of my original mortgage contract. I have not modify, nor refinance my loan and I believe HUD and FHA should be contacted on this matter as well. If you have any questions, please feel free to contact me at XXXX. 

Sincerely, 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 2022-10-28
Company: DISCOVER BANK
State: IL
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 went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} XXXX  account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} DISCOVERBANK account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} CRDT FIRST account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, my wife made a routine purchase using our Capital One Venture card. The purchase amount was about {$750.00}. Immediately, the charge was denied due to lack of funds. We've had this card for over 7 years, paid all payments on time, and have never gotten close to the limit except for maybe a couple of occasions. Capital One has reached out in the past to confirm if a purchase was valid before, but it was always resolved quickly. This time they only sent an e-mail to call. I called Capital One to figure out what the issue was. The representatives informed me that the card was put into 'restricted ' status and would not be opened until I provided a copy of my driver 's license, a copy of my Social Security Card, AND a copy of a recent electrical bill to prove residency. I explained that the information they are requesting is unreasonable and there have never been any issues with my account before. I was transferred to a 'manager ' who echoed the same request for documentation. XX/XX/XXXX, I called again to hopefully find another means to resolve the issue. I spoke with another 'manager ' who repeated the same request for documentation. I can not get my account unrestricted in any way without providing these documents to them. Capital One refuses to disclose any information as to why my account was set to restricted until I provide them the documents. They have provided NO OTHER means to resolve the issue or any information regarding the issue until I provide those documents. When asked where in the Terms and Conditions it states that this is required the agent cited a section and language that does not appear on the Terms and Conditions Capital One has on their website. I could not find where it's mentioned or why it is required in the Terms and Conditions. I do not feel Capital One 's request is reasonable considering that Capital One had a massive data breach in XXXX and sending these documents would expose me to greater risk than I am comfortable with. I have no guarantee or assure that my identity would be safe, other than the word of Capital One 'agent '. As an customer with, previously, good standing I feel that the treatment I have received is beyond unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have deposited few checks in my new check-in accounts and some other deposits. 4 of the checks i deposited is cleared by the bank however they put a restriction to my account and end up closing it without notifying me. I went to the bank to prove that those belongs to me. However, they still closed my account without give me any heads up and told me they will send me the money to my house but holding {$1000.00}. I received 2 checks each ( {$21.00} & XXXX ) from an attorney who was did my house closing. So those 2 check 's were issued to me to pay my credit card bill. In my previous claim chase said they return the money my attorneys bank. however, I reach out my closing attorney and they said they never received the money and the check were cleared from their bank. they will not issue a new check until the money is returned to their account. I rech out to chase couples of time regurding the issue. I went to a branch with the closing documents and copy of checks and they said they will not issue mw the credit instead will send it to the original issuer. I reached out to bank and filled a complaint on XX/XX/21. its been a year and i still haven't heard from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AL
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:
ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXXXXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-12
Company: EQUIFAX, 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 discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the Equifax breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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: 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  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Reference complaint : XXXX Walked in XXXX XXXXXXXX XXXX branch for deposit. 
Identical issue arose a few month prior. After completing the routine deposit and exiting the branch lobby. 

A XXXX branch employee performed mind hack gut punch, upon exiting the location. With the exception it is believed to have been the female employee. 

My back was turned away from the counter. Therefore, it was difficult to tell who performed the act. 

XXXX

Company response to consumer: Closed with explanation