BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our home loan and the previous mortgage was paid in full on XXXX. We did not receive our escrow check, ( {$2200.00} ), so I called to see where the check was/is. They told me I had to wait thirty ( 30 ) days after the check was mailed before I could request a new check. I waited the prescribed thirty ( 30 ) days and called back. I was told they would " overnight '' the check to me at the address I provided them which is different from the home address, I am out of town working. I then called for the third time on XX/XX/XXXX and was told " We mailed the check on XX/XX/XXXX ''. I replied I find that hard to believe since that was a Sunday! They then said " Oh it was processed on XXXX and mailed on XX/XX/XXXX. And yes we do work on Sunday. '' They said it was not overnighted but sent regular USPS mail. I called back today, XX/XX/XXXX, and am now told, it was mailed on the XXXX of XXXX, the same date as my last call AND sent to the address where I am not because I am out of town working as previously mentioned. I am now told I will have to wait yet another thirty ( 30 ) days after XX/XX/XXXX before I can call back and request a new check. However, this time the person assures me she has put in the correct mailing address and they will overnight it.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2022-04-19
Company: Affirm Holdings, Inc
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have updated information for the complaint with Affirm. The complaint # is XXXX. On XXXX Affirm received the following document via certified mail with a green return receipt which they signed for. A cease and desist which required debt validation for the consumer credit transaction which resulted in an account being opened and closed. Affirm stated I allegedly owed a debt for this consumer credit transaction which is fraud. Affirm had 30 days to respond to my cease and desist which required debt validation and specifies they cease all communication through any medium with me and any third parties such as consumer reporting agencies which they have not. This a direct violation of my rights under the FDCPA 15 USC 1692 ( g ). They are reporting inaccurate information on my consumer reports and have denied me access to my credit which is discrimination and violates my rights under the FCRA 1681 and the XXXX 15 USC 1691. On XXXX Affirm sent me an addressed envelope to a name that is not mines with documents without my signature and stated it was validation of a debt. This is fraud. These actions directly violate several federal consumer protection laws. I have attached copies of all documents that was sent and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Seterus, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my mortgage through  XXXX   XXXX . My current mortgage is serviced by Seterus.   On  XXXX   XXXX ,  2017 I contacted Seterus  to request a payoff qoute. I was told that it could take up to 7 days.   I called seterus to follow up with the status of the payoff on  XXXX   XXXX ,  2017  And was told that the request had been cancelled. They stated that my account was in a review process and they would not send the quote until the review was complete, up to 160 days. Also they will Not give me access to MY mortgage account 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 2018-10-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
JPMorgan Chase is no longer my mortgage company, but they didnt honor their modification before they sold my loan. Therefore, I was left paying on a mortgage loan that began much higher. 

Chase didnt honor the modification contract for the 8-40 years. I never received the {$1000.00} mortgage payment that was due according to the final modification. The mortgage increased to {$1300.00}, which was outside of the contract, sparking me to request another modification, which was granted. 

I would not have requested another modification if the first one was  honored. Chase sold the loan to XXXX, which has increased my mortgage further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: UT
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:
Prestige Financial a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit alert on XX/XX/2023, indicating a new collection account reported by AmSher Collection Services, even though I have not received any prior communication, verbal or written, regarding the alleged debt. This sudden reporting has led to a decline in my credit scores. Notably, I received written notification of the same alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/2023 ( enclosed ), while AmSher Collection Services added their collection account to my credit file between XX/XX/2023, and XX/XX/2023. AmSher Collection Services ' actions appear to be in violation of the FDCPA, resulting in damage to my credit rating and adversely affecting my relationship with existing creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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 XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXL XXXX XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XXXX Pacific - Called Care Credit Synchrony Financial at XXXXXXXXRequested credit line increasePhone system requested salary/homeowner informationPhone system did not ask for permission to do a hard-pull from credit bureau before proceeding. 
Phone system denied credit line increasePhone system confirmed current credit line of $ XXXX was not changed. 
XXXX Pacific - Received email alert from XXXX XXXX Type New InquiryProcessed Date XXXX/XXXX/2015Inquirer Name SYNCBPhone Number ( XXXX ) XXXX XXXX Pacific XXXX Called Care Credit Synchrony Financial at XXXXXXXXMale CSR verified informationExplained to him, I was not given the option to authorize a full hard-pull inquiry into my XXXX report. 
XXXX Pacific - Male CSR connected call to XXXXXXXXXXXX Pacific XXXX She placed call on hold and checked request to remove the unauthorized credit inquiry. 
XXXX Pacific - Female CSR did not have the ability to remove the inquiry once the system pulled it from my credit report. I again explained that I was not given the option to say Yes or No to the phone system before proceeding with credit line increase request. 
XXXX Pacific End CallSynchrony Financial / Care Credit did not have my authorization to proceed with making a hard-pull inquiry into my credit report. The system did not explain my options ( opt-out ) before proceeding. I am requesting the above XXXX/XXXX/15 " SYNCB '' inquiry be removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I kindly request that you promptly update my account with the correct and accurate 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 non-monetary relief
Consumer complaint received 2023-05-11
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:
Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all XXXX credit bureaus ( TransUnion, XXXX, XXXX ) Regards, XXXX XXXX XXXX XXXXFCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate 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 non-monetary relief
Consumer complaint received 2021-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I booked a Hotel for trip to XXXX in XX/XX/2021. When I arrived the hotel informed me I had 2 reservations. Not aware I was double booked I fulfilled 1 reservation and filed a claim with my bank when I returned. Unfortunately my bank did not uphold the claim and I am out {$560.00} When I called XXXX they said it was booked through a partner website and they couldn't refund. So I stayed I full-filled 1 reservation for {$670.00} ( Conf # XXXX & PIN CODE : XXXX ) and was billed for it. But did stay in the other room for {$560.00} ( Conf # XXXX XXXX XXXX XXXX XXXX & PIN XXXX ). When I got home from the trip I saw the charge and filed a claim with Wells Fargo my Bank. Claim # XXXX was denied some 3 months later with no explanation. Because of the length of time between filing the claim and response has been 4 months they are saying to much time has passed. I have been waiting for them for crying out loud!!!

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 2022-12-28
Company: EQUIFAX, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for a personal loan in the amount of XXXX. I did so on my phone. When I applied, a truth in lending disclosure never loaded properly yet I was approved. I called the company on XX/XX/XXXX ( XXXX phone records are available ) and was told that my payment would be XXXX monthly. I tried to make an additional interest payment on XX/XX/XXXX and accessed my account online. The truth in lending statement was available to see at last AFTER I got my money. To my surprise, the APR was 497.621 % and there would be 13 payments of XXXX, not monthly. I called to complain and was told by the agent that they are a tribal government and immune to federal laws. The agent told me that I agreed to the loan terms, which I didn't, and then promptly hung up on me. 

This company has sold my information to other payday loan lenders and has filled my email with spam now. 

By failing to make me aware of the APR and not showing a functional truth in lending disclosure they are in violation and I want this company reported and for them to stop stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Credit Fresh Holdings Inc
State: ID
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called about my account showing past due. I have made a full payment every 2 weeks and skipped one payment and was advised my account is 39 days past due, from XXXX. I have paid 3 more payment since that time and was told that it did not matter, if I did not pay 2 payments by the XXXX XXXX  XXXX my account is delinquent and would be reported as such to my credit report. I asked about how payments were being applied and was told this is just how the product work. I asked where I could find where I agreed to this and was told in the lending docs. I have review them all and nothing about not applying payments to the oldest balance. This loan is occurring interest every day. This just does not make sense. I asked to speak with a complaint depth or management, and was told I could email the company and maybe would get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or about XX/XX/2023, I noticed that The Law Offices of Mitchell D. Bluhm & Associates XXXX, placed fraudulent information upon my credit report without my consent, prior knowledge and understanding. The Law Offices of Mitchell D. Bluhm & Associates XXXX  Is a XXXX, Texas company which purports to claim that they are creditors to an alleged debt of : {$2800.00} USD without providing a contract between them and myself. I XXXX XXXX XXXX, hereby assert, aver and declare that I do not owe the amount {$2800.00} to The Law Offices of Mitchell D. Bluhm & Associates XXXX  and that this company is in violation of my rights under USC Title 15. There is no contract between the parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One advertises the " Account Combination '' feature for credit cards on their web site, which should in theory allow a customer who meets all the listed criteria to combine card accounts. I do meet the listed criteria but despite many attempts, always get an error message ( attached ) saying my accounts can not be combined. I have been a Capital One cardholder since XX/XX/XXXX, and over the years I ended up with four Capital One cards ( one or two were from their merger with XXXX ). I want to keep my oldest account, which has no annual fee and a {$1400.00} limit, and merge it with the credit lines of my two other personal cards which do have annual fees but lower limits ( {$850.00} and {$600.00} ), making one card with no annual fee and a {$2800.00} limit. <P/>I called Capital One customer service in earlyXX/XX/XXXX, spoke to someone in an outsourced XXXX call center, and they were unable to resolve the issue, or determine the specific reason why the Account Combination feature did not work on my cards. They could only rehash the explanation from the web site. <P/>On XX/XX/XXXX, I emailed XXXX XXXX ( attached ) who, from my research, had helped develop the Account Combination feature a few years back. She forwarded my email to XXXX XXXX, who later forwarded it to someone on the social media team, who in turn bounced it to the so-called " Executive Resolutions '' office. From what I can tell, the Executive Resolutions office is just a customer service escalation desk that has no real empowerment to fix this issue. I spoke to XXXX XXXX in that office via phone on XX/XX/XXXX and she, also, was only able to rehash the verbiage from the web site. She offered no resolution or further escalation. <P/>Later that evening, XX/XX/XXXX, I wrote a letter ( attached ) to XXXX XXXX, President of XXXX XXXX XXXX, and mailed it via XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The letter was delivered XXXX XXXX with tracking number XXXX ; an " XXXX XXXX '' at Capital One signed for it. In the letter, I expressed my frustrations with the lack of effort of anyone I had spoken to at Capital One to resolve or explain the Account Combination issue, my attempts to resolve it, and asked for XXXX XXXX to help, or delegate to someone who could. To this date, I have not received any acknowledgment of my letter to XXXX XXXX. <P/>On XXXX XXXX, still frustrated with the lack of resolution, I closed my two Capital One cards with annual fees. The fees were going to post in XXXX and XXXX if the card were kept open, and I do not want to pay annual fees for cards I no longer use with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
EQUIFAX is causing me damage to my character and ability to obtain credit by their willful non compliance to remove accounts identified as a result of identity theft per attached letter dated XX/XX/2022. I provided the required documents. Most of the accounts/addresses were removed. 

I am requesting a copy of my consumer file from Equifax that has the certification that a representative of Equifax saw the written permissible purpose documentation as prescribed in 15 USC 1681 b2 that provided the permissible purpose that Equifax certified that I gave permission to these companies to have this information furnished on the consumer report. 
Because under 15 USC 68O2. None of these companies, financial institutions or third party affiliates can not put anything on my consumer report without my permission without my written consent. 

I demand the following accounts be deleted immediately. 

Name of account Account Number XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX {$140.00} ATM withdraw no cash dispensed XX/XX/XXXX {$200.00} ATM withdraw ATM jammed didnt dispense cash Both charges were disputed one was issued a provisional credit which was reversed by the financial institute The other was denied multiple times

Company response to consumer: Closed with explanation