BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In XX/XX/2022 I lost my job due to COVID and was out of work of 9 months, Freedom Mortgage put us on a forbearance with the parameters of at the end we had several options, restructure the loan adding in the forbearance amount, add it on the back end of the load, make payments on the forbearance amount or repay it. When the forbearance was over they claimed they could not honor any of those options only repayment was and option for the full amount, how is this even possible when you have not worked for 9 months at no fault of your own. I have been trying to pay them money and get the loan caught up but they continue to send the money back and trying to foreclose, HELP We are begin forced to sell our home because of the pending foreclosure. 
We need help we feel they did this on purpose and trying for force a veteran and his family out of their home because we had a nice low mortgage rate and they didnt want to honor the promises and help us out, only threating and pressue

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 2023-07-13
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/23, I requested a 90-day payment deferral or reduction on a private student loan that I currently have with the company. After going over the reason for the request ( my husband was off work for 3 months on unpaid XXXX ), my income and my expenses, I was informed that I don't qualify for their one and only option - interest only payment - because I didn't have anything left over to pay the interest only payment. I asked the representative if this was the only option that the company offered and she confirmed that it was. I said to her that the reason I was requesting a deferment was because I had a loss in income and that if I couldn't pay I'd be penalized by a bad credit rating as well as the possibility of wage garnishment. Her response was that if the company let me defer my payment they would be breaching the contract. So, you will cause people default on their loan with you so that they can breach their contract with you and you will cause them a hardship as a result which is terrible business. Her response was to try to find the additional income in order to make the interest only payment. I make the regular monthly on-time via recurring ACH debit and this is the treatment I receive when I need help. I want to pay but need at least 3 months to get caught up with all of our bills but my good repayment history doesn't count for nothing with this company. Sad!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX

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 2023-05-08
Company: Experian Information Solutions Inc.
State: TX
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 over 200 Inquiry on my credit report with XXXX, so I called them and spoke with a supervisor by the name XXXX, and he put in the dispute for the Inquiry 's I received a copy of my Credit report on today. I looked online to see if all of them was actually removed to find out they weren't. I called and 3 reps form XXXX stated that all the inquiry 's where still on my report and they don't have any records on the confirmation # nor will they remove them off. I don't understand why I would receive a report and they can't find any records of it or my dispute. These aren't my inquiries nor am I requesting for my credit be pulled. I would like them to be removed. I'm already apart of the Data Brench and this is an issue with 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 2022-08-10
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to send bills for services that were not used for our business!! This was cancelled over a year ago and they continue each year by billing my company with threats! Emails have been sent for confirmation and received! Always around tax time they try to reopens cases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Savvy Money, Inc.
State: CA
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 XXXX XXXX XXXX balance XXXX shows unpaid already paid in full XXXX XXXX is inaccurate balance XXXX, XXXX already paid in full XXXX XXXX, XXXX show balance last updated was in XX/XX/2023 this was paid in full- correct this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  hire some igornat colloection agency to keep harassingme over a debt that is not pwed. Please make XXXX XXXX call off this colloection company. I demand that this debt I do not owe be removed from all of my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Zions Debt Holdings
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from Zion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXXXXXX XXXX XXXX XXXX  this is incorrect and is not my debt. 
Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. 
The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I logged into my XXXX account and noticed a debt collection account for {$520.00} for XXXX XXXX XXXX ( which I have never been a customer of ) They verified the account holder has the same name as me but with an " XXXX '' as a middle initial ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to which they then asked if I knew the phone number and email associated with the account. I have never seen/heard of them. They stated the account was opened in XXXX of 2019 and was active for about 2 years.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Inquiries, addresses, phone numbers, names. Also giving out my information to 3rd party sites without my 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
ompany is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, and 15 USC 1666b-timing of payments Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Got a text message saying someone tried to access large amount of money from my account and to message back confirming or denying this. I denied and they responded that a professional will call to help settle it. Got a call from Bank of America and the man said i would have to XXXX  the money in accounts to a special code that would then cancel the transaction and return money in 10-15 minutes. I first did just {$100.00} as thought they just needed some money to cancel transaction but then said needed full amount so transferred it. This drained my entire bank account. I called bank 2 hours later during my break at work to report I was scammed and gave them the number the scammer said was the XXXX  code. Got email 2 weeks later informing people of this exact scam and what to look for. Finally got email week ago saying they couldn't do anything and they only had email for money from debit card in claim, but not my saving account either. 

XX/XX/XXXX debit amount transferred {$100.00} XX/XX/XXXX debit amount transferred {$460.00} XX/XX/XXXX saving account amount transferred {$1100.00}

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 2022-09-12
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was issued by Comenity Capital Bank on behalf of XXXX 's XXXX XXXX. 
On XXXX XXXX XXXX I was notified by the banks fraud department that there was unauthorized purchase on one of my cards ( I have two cards, one for me and the other for my wife. They both have different numbers ). The card affected was my wife 's card. 
When I responded to bank 's text with a " NO '' that it was not my purchase they told me that the charge will be removed, and the card will be blocked, and the new card will be sent within 7 to 10 days. That was well over a month ago. I contacted the bank and their fraud deportment several times, and the only response I got was, that they can not access my account therefor they can't resolve the problem, and can't take off that fraudulent charge. I logged on my account the other day ( yes I can get on my account ), and that charge still on my statement and they are charging me interest on that amount, because I did not pay it last month. Please help me resolve this, the bank is of no help, and now I don't trust them at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fair Collections And Out is inaccurate because this collection 's statute of limitation has passed. The statute of limitation in Florida is five years.

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 2023-09-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had been banking with Wells Fargo since XXXX. I not to long ago closed my account due to problems not being able to be fixed. Ive had money taken out of my bank due to over draft fees '' which was false. I worked XXXX jobs during that time to avoid that problem and Also fraud activity including subscriptions I never signed up for. It also caused for my car to get repoed a couple of times because Wells Fargo wouldn't release my funds for me to pay my car note with XXXX XXXX XXXX. ( I had autopay ) None of these issues were handled accordingly. I now bank with XXXX XXXX, I will never go back to Wells Fargo!

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 2023-08-07
Company: U.S. BANCORP
State: IA
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:
us bank denied me consumer credit transaction in accessing a portion of my unlimited credit. 15 usc -1691- unlawful to discriminate against applicant with respect to any credit transaction.

12 USC -1431 : the banks are the borrowers Equal Credit Opportunity Act, CCPA 15 USC-1602 ( i ) I am the creditor in pursuit of life, liberty, and the pursuit of happiness. 

US BANK  XXXXUS BANCORPXXXX 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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Hi. I contacted XXXX, XXXX, and Trans Union regarding the reporting of inaccurate information that each of said companies are currently reporting 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for XXXX, Experian, XXXX  and 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