BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Self Financial Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I signed up for a Self secured credit card. They are holding {$200.00} of my money as security. I never received the card, it was never active yet they charged my bank account a {$25.00} minimum payment. The balance was XXXX and they charged {$25.00} and do not show a credit. This is in addition to an annual fee of {$25.00}. ( Two separate charges ). I spent XXXX minutes on the phone explaining this to them but the agent tried to convince me for XXXX minutes that the minimum payment deducted was actually the annual fee. I called them back later to close the card but i was bounced around from department to department, but no one would close the account and refund the {$220.00}. I tried again later and it was the same situation. 
I do not have the card number because i never received it. In my opinion self.inc is a business acting fraudulently and should not be allowed to operate a credit card company. I am sure that you had many other complaints. I would like to get my money back and hope you will restrict them from operating a credit card scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Total Card, Inc.
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: Account information incorrect

Complaint:
XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: PA
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:
I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. Experian is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )

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 2021-07-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally bank has frozen my accounts after I received a loan from the SBA. Now I can not access my funds and the fraud department will not work with me. Ive been hung up on and received very little information about what is going on. I submitted documents that were requested for me being a sole proprietor, but the investigator has not returned my emails or phone calls.

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: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage recently bought my mortgage from another company and I have had no past issues. In XXXX I attempted to pay my mortgage for XXXX. Apparently I typed a number in wrong and the payment was reversed. So the week of XXXX XXXX I submitted another payment for XXXX which cleared my partner 's checking account. I have bank statements that demonstrate this. 

In the first week of XXXX I had attempted to make an payment and again they said there was an account number discrepancy and payment reversal for XXXX. Additionally, suddenly they said on XX/XX/XXXX the payments for XXXX and XXXX were reversed. Mind you my payment for XXXX had already cleared my account a month ago. They both added a {$78.00} fee and said my account was delinquent. Both of which are false because again I have a bank statement showing a cleared XXXX payment. This was never reflected on my payment and interest history tab on the Freedom Mortgage website. 

By this time I was beginning to doubt Freedom Mortgage 's online payment system for good reason. I called in my mortgage payment via phone directly to freedom mortgage. ( I recorded all of the calls ). The payment cleared. 

I have a number of recorded calls, bank statements, and emails that verify what I am saying. When I emailed Freedom Mortgage they said my XXXX account never cleared ( again frustrating because it is untrue ) and then suddenly said a payment of double my mortgage cleared in XXXX. This is just a blatant falsehood. There is a bank statement with a cleared payment in XXXX ( for XXXX ) and a bank statement with a cleared payment in XXXX ( for XXXX ). The email was a lie based on bank documents. They attempted to call me delinquent and I still have not received a refund of the late charge of {$77.00} or {$78.00} they took after my payment had already cleared my bank. 

It is a nightmare to deal with. When you send them your bank statement they refuse to correct your payment history. They reply with false statements about when you paid. It is maddening, because I can prove they are untrue. This company is at worst dealing in deliberate bad faith with customers and at best a completely incompetent mess. Avoid this company if you have the choice.

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 2023-02-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX/XXXX/22 I took a a cashiers ck in the amt of {$3800.00} to a Sams club to pay off my Sams credit card account. The payment was posted by Synchrony Financial who manages the Sams credit cards and a week later it was reversed. They said it was returned by the bank in which had issued it. I got confirmation from the bank that it was not been returned. When I called, they asked that I take it back to any Sams Club store and have it resubmitted. I then took the cashiers ck to another store on XX/XX//22, they said I had to take it through the cashier and they would process it. It was again posted to my account and a week later it was again reversed and my account was closed due to having 2 payments returned. I contacted the bank again to see if the cashiers ck had cleared and it had so I sent a dispute to Synchrony showing that I had made the payments and it was corrected but they would not reopen my account. 

I also have a CareCredit card that is also managed by Synchrony and because they show 2 payments returned on my Sams card, Synchrony also closed my Carecredit card and both are reported as closed by creditor on my credit report which I consider as derogatory comments. It will affect my credit score for something that was not my fault. Both cards were paid off with cashiers checks and both are managed by Synchrony Financial. I disputed the closing of my CareCredit card and they stated that the Sams store reversed my payment both times that I took it up there. If that was the case, why would they then reverse the return and post it to my account? They told me I had to contact the store to find out why it was initially reversed on both occasions. I have called multiple times and spoke to the frontend managers at the store located in XXXX XXXX, Texas. I was told that I would get an email or a call from the accounting dept to try and see what happened but no one has called. I called and asked to speak to the store manager and they refused to let me speak with him.

I have had my CareCredit card for a very long time, they will not reopen it unless I can prove that the payments on my Sams card were reversed in error by Sams Club. I can not get anyone to tell me why a cashiers check was reversed or anyone to help me with the issue.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00}

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 non-monetary relief
Consumer complaint received 2018-08-18
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company XXXX XXXX XXXX Claims to own my mortgage and falsely has been collecting payments from me for many years. Only recently with a Foresic Loan Audit, I Found Out My Loan has been Paid Off Many Years Ago. 
Nationstar is now Currently Filled to Forclosure on my Home which is Imiminent / Urgent, Which is Paid Off. They Do Not Posses a NOTE or Deed Of Trust. They are Committing Fraud on the Court, As well as Already Filled a Fraudulent Judgement Against Me and Scheduled a Sheriffs Sale Illegally Due To Fraud On the Court. This is an Urgent/ Immiment Matter. Please Assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
I AM THE VICTIM HERE AND TRUSTED YOU TO INVESTIGATE THIS MATTER WITH FAIR AND JUST! !. I QUESTION THE AUTHORITY upon which this denial is based and request clarification on the matter. Please clarify, why you will NOT block my identity theft because youve determined its an error or misrepresentation of material fact. When YOU ARE NOT IN THE POSITION TO DETERMINE THE MATERIAL FACTS? ONLY THE JUDGE OR THE JURY COULD JUSTIFY THIS MATTER. YOU HAVE ABSOLUTELY NO RIGHT!!! The FTC states if you receive an FTC identity theft report which is filed with a law enforcement agency ( WHICH IS THE FTC ), then you are to comply with the law I AM DISPUTING THESE UNAUTHORIZED ACCOUNTS AS THESE WERE FRAUD : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit bureaus are obligated to conduct a reasonable investigation. I am unclear about the specific reasons for denying the deletion of these fraudulent accounts. I request that you provide a detailed explanation of the basis for your denial, citing the specific provisions of the FCRA or any other applicable regulations.

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 2023-12-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There is a security breach/ cyber-attack with Chase Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was a total of three unauthorized transactions that happened with my account. One was for {$200.00}, the other was {$320.00} and the last was {$500.00}. When I first contacted XXXX about the {$1000.00} missing from my account, they said it was up to Chase Bank because there are the responsible party at fault and they are just a third party company. 

When I tried to address the issue with Chase, they said it was XXXX 's problem and they would issue a temporary credit pending an investigation. They did credit my account. After a few days, Chase reported that the money stolen from my account was authorized and they debited my account for {$1000.00}. 

Soon afterwards, I filed a police report and I along with my father XXXX XXXX walked into the Chase branch located XXXX XXXX XXXX XXXX, XXXX, IN XXXX. We spoke to XXXX and showed her the police report, and she called the investigation department for another investigation. To make a long story short, I asked Chase to follow the transactions and to press charges on the people who stole the money from my account. They declined. 

I asked for proof in writing that an investigation was done. They told me to come back in two weeks and they would mail them to the branch. I came back three weeks later and they said give them two more weeks.

Which leads up to today. Chase Bank said they would not provide evidence of any investigation and they wouldn't credit the account. Chase were no help. XXXX was no help and I'm sure they have insurance policies in place for such cyber-attacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently trying to get a refund on two payments that I made towards my subsidized loan from Ed Financial. I paid off the loan in full with two payments, one being {$100.00} and the other {$9500.00}. I requested the refund request through a text chat on XX/XX/22. I also followed up on XX/XX/22 to make sure the refund was in the system. 

I'm just make a complaint as they won't give me any estimate or timeline as to when the refund could be refunded. According to what I've seen online and also with friends who have previously gotten refunds, Ed Financial has told them anywhere between a few months to a year. This seems extremely long as it seems other loan providers are able to provide refunds within a few weeks to a few months. I'm just very worried that I will not be able to partake in the loan forgiveness program.

I was also told that it wasn't confirmed whether loans refunded will be eligible in the loan forgiveness program. Additionally, I would told that the Department of Education has not confirmed how refunds will be sent, making it seem Ed Financial has not/will not be issuing refunds yet, which I know isn't the case. I wanted more clarification on this as there seems to be a lot of conflicting information going around.

I wanted to get a timeline on my refund request and get my loan refunded as quick as possible. I know there is a large influx of refund requests but it doesn't seem too much to ask for a possible timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX WASHINGTON, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I sent a request to AmeriSave for to start the process for pre approval on a mortgage. The initial conversation was done through the company 's chat platform. This is where I began the loan process with XXXX XXXX the Loan Originator.

The conversation consisted of questions regarding how much I would like as well as the down payment I would provide and various personal financial information. I was provided with a pre approval by screenshot stating that my rate would be 5.75 % and I was preapproved for $ XXXX. XXXX then stated that he would like to continue the conversation over the phone. After calling he stated that I could lock the provided rate in with a {$500.00} deposit that would go to the closing costs at the end of the process. This was referred to as XXXX. I stated " No, I would not like to pay the {$500.00} but can we still continue, '' He states that if I do not do this I risk having a higher interest rate if we wait until the underwriter reviews this application. I then agree to pay and lock the rate in and receive a preapproval letter ( attached ) stating that this is a ready buyer preapproval for the desired amount. However, the document does not state that the rate is locked. After waiting a day, I receive another document letter stating a completely different rate and amount titled Certified Pre Approval on XX/XX/XXXX. This amount was significantly different than the original " Locked '' rate. I make several attempts through email and phone to communicate with XXXX regarding this and request for a refund. after multiple failed attempts, He finally answers my call and states that he would like to see if he can increase my amount first. I tell him that this is not necessary and that I would like to process the refund. After this I do not receive a response. 

I attempted to contact XXXX on XX/XX/XXXX, he answered, stated that he was out of office and would be back in the office on Monday XX/XX/XXXX to discuss the refund with his manager. It is now XX/XX/XXXX, He will now not return my calls. I also attempted to contact the customer service and was told I had to contact XXXX for this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: GA
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:
Dear ..., Please help because I figured out in my credit report accounts that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile or changing whatever they want. Well, by this message I would like to let you know that I do not recognize these accounts and I have never given any permission to any company to do something like this- ITS IDENTITY THEFT for sure. So please remove all of them as I can not move on in my life when I have unknown information in my credit report. 

Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Genesis FS Card Services, Inc.
State: CA
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:
I applied for the Destiny credit card issued by First Electronic Bank and provided the documentation they requested to verify my identity, when I called to ask about the application status. I received another request over the phone to supply a utility bill for identification, even though there was no written request for this information, had I not called I would have not known about this missing information. The process took more than two weeks. 

I then received an email on XX/XX/XXXX letting me know that my application was denied, because " Unable to contact you per alert on your credit report. '' They called ONCE, and I missed the call, and they made no further efforts to contact me again, or to leave a voicemail so that I was aware they were trying reach me, and I was unaware what number they would be calling from as well. I had also called them multiple times to verify my information, from the number listed on my fraud alert. 

This organization is not following the law and complying with fraud alerts adequately. A fraud alert is a security measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries should be properly handled so that fraud alerts can protect both banks and consumers, and should not be used as a reason to deny applications or discriminate against these applications that require lawful measures of security and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief