BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2018 I applied for a REFINANCE with my current mortgage company Freedom Mortgage.

However during the negotiation of terms and loan structure for the refinance, we, my wife and I did not agree with them and TERMINATED the process.

In XX/XX/XXXX, at the end of XX/XX/XXXX we received a STATEMENT OF CREDIT DENIAL letter from Freedom Mtg.

We did not complete the agreement for the Refinance, yet we were denied credit that we didn't apply for or agree to be considered for.

How is it that we didn't not finish this loan process and was denied before for we knew who we were asking or applying to for this refinance loan.

We were ask to submit all documents and we reviewed all documents and answered questions regarding documents and submitted explanations and answers for documents in question. 

IT WAS ONLY A NEGOTIATION AND A LOAN STRUCTURE IN ORDER TO GET APPROVED. WE STOP THE PROCESS AND FREEDOM MORTGAGE SUBMITTED OUR DOCUMENTS ANYWAY. WITHOUT OUR PERMISSION.

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 2023-12-11
Company: Regional Management Corporation
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband took out a loan through Regional Finance. I did not co-sign or want anything to do with this loan. 
We both have separate checking accounts. He does have an account with my name on it so if he ever goes over, I can transfer money to his account the minute I learn of it. 

I have taken all if my bills through a debt management company, XXXX XXXX XXXX. I've been with the for several months. My credit score was in the XXXX range. 

Then one day during the last couple months, an employee of Regional Finance called and asked to speak to my husband about his late bill payment but he wasn't home.

I spoke to the person mentioning he was going through a debt company, XXXX XXXX. During this conversation they took it upon themselves to put my name on this account and call it a joint account. 

Now my credit is XXXX. If it wasn't for this one bill, I'd have great credit! How can I get my name taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 an 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My name is XXXX XXXX XXXX. I have a problem with my credit report credit bureau showed a report with the wrong name and phone number and the wrong address also there is a XXXX credit card account that is not mine but they showing on my credit report. I don't know what to do this makes me really bad with my credit. it's going to be really bad cause they showing me the wrong information on my credit report. please help me I don't know what to do. please help me. I feel very sad and bad. why someone's credit is on my report? Please help me to remove it. please help me. Please fix this. Thank you.

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 2022-11-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX My business checking, savings and personal account was hacked. They were able to wire transfer XXXX and XXXX out of our accounts. Wells Fargo bank called numerous times to clarify transactions. The Wells Fargo agent calling gave us dispute numbers and his badge number. While on the phone with me Wells Fargo was calling my spouse who also told wells Fargo agent they were fraudulent transfers. I went to the Wells Fargo in my area were I was told the agent I was speaking to was the hacker. I was told by Wells Fargo branch manager they would need 7-10 business days to investigate the fraud charges. Today XX/XX/2022 Wells Fargo denied funds to be returned.

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 2018-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
This is not my first complaint, and after 5 months of waiting to get this issue resolved I feel this is my only option to communicate with Capitol One. May of this year I applied for a capitol one credit card for XXXX XXXX XXXX ( where I work ), I was emailed by a representative asking for more of my Income information, I declined and decided I no longer needed the card. I never got a response from the representative, some time later I check my credit report and I not only have that credit inquiry from the XXXX but she processed another credit application on the XXXX which I DID NOT AUTHORIZE. I immediately called, left voicemails, sent emails etc. No response. 

Fast forward to XXXX when I create a complaint on CFB, Im contacted by someone in the executive offices saying they are aware of the issue and that she " accidentally '' submitted another application when she was trying to see if any information was updated ... what could have possibly changed on my credit in a day? 

I was then sent a letter stating they would send all the information from my account to the credit companies and it would left the the reporting agencies to decide if they would remove it or if it would become a soft inquiry ... that was suppose to take 60 days max. 

60 days later and the unauthorized inquiry is still there. I contact the number I was given to the executive office, the woman I originally spoke with is not available or just doesn't know how to return calls. I speak with a new gentlemen, he ensures me he will look into it and see why it is taking so long, says he will call me by the end of the week to update me. 

I call him after I never receive that update, it appears as though my case was never sent to the reporting agencies to be removed, I finally reach him, he promises once again to keep me informed on the process, that was two weeks and two voicemails ago and have yet to hear from anyone. I told him that it is extremely important that it be removed because I will be purchasing a home in the next few months. He then created a case for me # XXXX, not sure why there wouldnt have already been one. I dont know how many complaints I must post, or representatives I must talk to in order for the issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: MD
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 am a retired XXXX veteran that was scammed of his good credit. I noticed a Bankruptcy that was filed on my behalf with all kinds of documentations signed with a fraudulent signature similar to mine. At the time that that the bankruptcy was filed, I was in the XXXX, not available. I have NEVER MET WITH A LAWYER ABOUT BANKRUPTCY, I have NEVER DONE CREDIT COUNSELING CLASSES, yet they have mentioned that I took credit counseling classes. They had all kinds of credit documentations SIGNED WITH MY NAME. NOT MY SIGNATURE. I HAVE WILL TAKE A POLYGRAPH OR ANY TYPE OF SIGNATURE EVIDENCE to prove that it is not my signature. I tried to file a petition to dispute this bankruptcy through the bankruptcy court in XXXX Maryland. he bankruptcy was dismissed. I thought that was the end of it. I attempted to dispute with all the credit bureau. XXXX AND XXXX  REMOVED IT, BUT EQUIFAX REFUSED TO REMOVED IT because they said the creditor said it is a legit bankruptcy. I am suspecting a mortgage company by the name of XXXX XXXX XXXX  or XXXX XXXX  ( these were the 2 banks that took ownership of the mortgage one after the other ) with whom we were in battle for a foreclosed property located at XXXX XXXX XXXX , XXXX MD XXXX. 
I DON'T KNOW WHAT SCAM OR FRAUD THEY DID TO PIN A BANKRUPTCY ON ME TO REPOSSESS MY PREVIOUS HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXXXXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Lockhart, Morris & Montgomery Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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: Information belongs to someone else

Complaint:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: GA
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 XXXX, Account # XXXX XXXX  Dept Of Ed Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TekCollect Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted a police report and FTC Affidavit to TEK COLLECT via Certified Mail # XXXX XXXX XXXX XXXX XXXX. 
I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account IS a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I HAVE NEVER RECEIVED ANY SERVICE FROM XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ XXXX XXXX } authorized XXXX XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to TEK COLLECT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Cancelled online my experian account in XX/XX/XXXX, so I wouldn't be billed monthly on my checking account. I have a print out for this evidence. 

It is XX/XX/XXXX, and I am still being billed. Am not able to cancel. It has been over 4 months.

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 2018-10-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 I received a screenshot of a text conversation between my ex-husband of nearly a decade and his aunt. His aunt was requesting I contact XXXX  Bank, as they have called her 6 times regarding my credit card debt. As I stated, my ex and I have been divorced for nearly a decade, and his aunt is no relation to me, has no contact information for me, and should not have been contacted once, let alone 6 separate times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and Equifax are teport my score XXXX points less then XXXX. Trying to repair credit and the scores where in the XXXX range and in a span of 4 days they took a total of XXXX points off my score with no changes to credit cards or any missed payment. These credit bureau are not reporting fairly. I have paid for the last 6 months to repair credit and made all on time payments. Opened new account to boost the credit, it did go up but a month later. They took all the progress I made away in 4 days ... ..not fair to take XXXX points off in 2 day and the 4 days later another XXXX points. My score has never jumped by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: HANCOCK WHITNEY BANK
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, we were advised that the two party repair check issued by XXXX XXXX XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX was cashed on XX/XX/XXXX by Hancock Whitney Bank in XXXX, XXXX XXXX without XXXX XXXX XXXX XXXX signature or authority. We filed a forgery claim through the insurance company and it was submitted to the bank on XX/XX/XXXX. We reached out to Go XXXX XXXX. since then and have not received an update from the bank in regards to resolving the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am not the first person to have problems with repaying the Educational Financial services. They are reversing my payments so they can accrue additional interest. This needs to be in the XXXX XXXX XXXX This is crooked. I have tried paying again today but since it is veterans ' day. I expect to have this handled immediatly. 

https : //edfinancial.com

Company response to consumer: Untimely response
Consumer complaint received 2022-11-15
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification that a credit card was opened under my name that I did not open the only information I have was from a text message that said an account from Bread cash back was opened in my name. I did not open the link associated with the message. 
I did report to XXXX and started a fraud dispute

Company response to consumer: Closed with non-monetary relief