BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A credit card contacted me by phone and by letter to let me know I was dead. I called the service number on my credit card and I was told one of the credit reporting agencies had given me a credit score of XXXX. Apparently when you are really dead, your credit score goes to XXXX. 

I initiated a credit freeze on my three credit reports and requested that all three send me a complete credit report. One of the three credit reporting agencies had the correct personal information. 

Experian has included information about my previous wife who has been deceased for 6 years as of XX/XX/XXXX. My first name is " XXXX '' and then middle initial is " XXXX '' Her first name was " XXXX '' and then middle initial " XXXX ''. When we married, she took my last name as her last name, so the two names are very similar. Under my personal information, they have listed four variations of XXXX or XXXX. They have also listed the last digits of her social security number as a " variation '' of my social security number. They have my birth date correct and have named XXXX as my spouse. That is no longer correct. XXXX is dead and I have been remarried to 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
Consumer complaint received 2019-06-05
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 i opened escrow with XXXX XXXX and American Financial network as my lender. I received a pre approval letter from XXXX and now that i already paid my ( {$3500.00} ) Earnest money deposit XXXX is saying that i dont qualify for the loan that they already pre approved me for. They called me pressuring me to pay off a debt so XXXX would approve my loan, a loan that was already approved. I feel like i dont have a choice but to pay to make this loan work. Unfortunately i dont have anybody to let me borrow XXXX dollars which they say is causing the hold up. These lender services are unfair, deceptive and abusive. This is a violation under the UDAAP act. I gave up my condo that i was renting so that i could save some money but now i dont have steady place to sleep and am sleeping on the floor with family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: FIRST PORTFOLIO SERVICING INC
State: ID
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 was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CAPITAL ACCOUNTS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Block, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I thought I was getting a free bag by paying shipping 5 days later my card was charged {$67.00} I contacted cash app and was told they will not do anything cause the charge is pending on my account I then contacted the company premium gadget collections they said I had to go thru my card company I have continued to reach out to cash app to no avail all this happened on XX/XX/2023 I live on a limited income I can not afford to lose money like this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Synchrony Bank dated XX/XX/XXXX informing me that my credit card account has been closed. 
I reviewed a reasons provided me by the above creditor and they indicated that my account did not score well for the following reasons : Serious delinquency Time since delinquency is too recent or unknown Number of accounts with delinquency Too few accounts currently paid as agreed. 
I completely disagree with Synchrony 's bank decision to close my account because my account with a creditor was in a good standing. 
I opened this account since XX/XX/XXXX and my account never been delinquent or seriously past due. Creditor based his decision on information they obtained from XXXX Credit Bureau and because they believed that my account is in risk with them decided to close my account. The company violated Fair Credit Reporting Act and because of the fact that some of my information on my credit report changed recently that impacted my credit score, they made decision to close my account that was in good standing. 
I contacted Synchrony Bank on XX/XX/XXXX and spoke to account manager named XXXX. The account manager advised me that the company reserved a right on their own discretion to close my account if they believe my creditworthiness in a risk. I requested to reinstate my account and they refused to re-open it because they stated once account is closed, they can't reopen..

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize the following inquiries : Transunion- XXXX XXXXXXXX-XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX- XXXX  XXXX XX/XX/2017XX/XX/2017

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 2020-12-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I have an issue with a Chase credit card. One of my oldest credit card account in the credit history has been closed. I made the last payment on that credit card in XX/XX/2019 and last transaction was in XX/XX/2019. I, then travelled to XXXX to take care of family for a few months but got stuck here because of the pandemic. I was supposed to come back in XXXX, but the government of XXXX imposed a nation-wide lockdown in mid XXXX for about 3 and a half months, followed by some strict international travel restrictions. I was just able to come back in XXXX. As I was out of the country, I didn't use a lot of credit cards. For security reasons, I like to use local currency cash while traveling internationally. Apparently Chase closed my account, because it was inactive. However, my other credit cards were inactive as well, but they were not closed. I tried talking to Chase credit card department but was told that there is nothing that they could do and it can not be reopened. My credit card was inactive for less than a year, for about 9-10 months, I do not think they should close the account. Also, my credit scored has dropped, because this was oldest credit account on file and had a decent amount of credit limit. I am trying to buy a house and all this factors could play a huge role in my mortgage and interest rates. Please look into this matter and I would like to get that account reopened. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On three dates, my bank statement showed ACH payments to Goldman Sachs BA Collections, as follows : XX/XX/2020 for.. {$100.00} ; XX/XX/2020 for.. {$940.00} ; XX/XX/2020 for {$1700.00}. 

None of these payments we authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ERC
State: CA
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:
THE DATE WAS XX/XX/XXXX XXXXINQUIRIE IS ON MY CREDIT REPORT THAT I DONT RECOGNIZE AT ALL..I WAS TOLD TO REPORT TO FTC..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
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:
A credit card account was begun based on my cell phone which I did not authorize. The company XXXX Citi XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). Because I do not possess info for them to access my phone, i.e. password, etc. they say they can not help me. They also asked for my Social Security Number, which I did not give. I am XXXX years old and need help cancelling this account. ( Although the statement refers to my Citi credit card, I have not rec 'd. such card.

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 2021-09-02
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-11-28
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2020 Freedom Mortgage has refused my Loss Modification mortgage package even though I am well qualified for a Loss Modification with an increase in both my wifes and my income. I have been denied 20 times due to missing documents that have been looked over by 3 people my attorney, mediator, and myself. We are all in shock on how Freedom mortgage continues to ask for more uncompleted documents that they claim have not been submitted or making any excuse to not complete the revciew. My attorney believes they are purposely trying to stall the process and deny the approval just to deny it based on no evidence that we are not qualified. 


Company of complaint : Freedom Mortgage Email address : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX NY 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 2019-06-06
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment arrangements was established and payments was automatically withdrawn from my account each month. Account was satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Affiliated Acceptance Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per XXXX opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my XXXX from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a credit report notification notifying me about a debt collection from XXXX XXXX XXXX, which Ive never opened an account with. They are charging me and are effecting my credit that is not even mine in the first place. I had no card sent or anything like that, it just showed up on my collections when I logged into my credit wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I noticed that I had an NSF Fee of {$72.00}. I called to ask why and I was told that I was overdrawn because I had a PENDING monthly charge of {$9.00} from XXXX. On XX/XX/18 I was charged an additional {$36.00} after the XXXX charge changed from Pending. I called again to ask why and I was told that this charge was from the XXXX charge of {$9.00}. When I confronted the representative and told her that the last person I spoke with had told me that the initial charge of {$72.00} was for the XXXX charge, she changed her story and could not explain all of the charges. Regions bank has been doing this for years and I am ready to close this account. They say that these are normal procedures, but I have accounts with 2 other banks and I never have any problems and do not get charged overdraft fees for pending transactions.

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 2019-06-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My dob XX/XX/XXXX, not XX/XX/XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: CA
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 contacting you because I have recently been treated wrongfully by Navient. During my entire tenure with Navient, since they split from XXXX, I have made on-time consecutive payments. As a result, I have always had the waiver eligibility ( XXXX ) of the final 6 payments ( amounting to about {$2000.00} ) waiver notification present for all of my four Stafford loans. My 114th payment should have been my last. However, on XX/XX/XXXX, the day after my 114th payment, they removed this benefit without giving a reason. I called them to let them know of the error and they stated, by mail after a week, that I am ineligible because my loan term is less than 10 years. This is untrue, my loan term is exactly 10 years, which satisfies the conditions. They are trying to remove this benefit that I was expecting and was very much looking forward to. They are ruining their reputation ( in my eyes ). Will I need to get an ombudsman ( or even a lawyer ) to fight for reinstatement of this eligibility?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently got a copy of my Credit Report and noticed that in XX/XX/2018 Toyota marked me as being late. Toyota also somehow took me off of autopay without even notifying me. They also didn't notify me prior to inserting this information that gives no regard for accuracy. I am requesting that Toyota not  contact me by telephone and communicate by USPS mail only. I am also represented. I have attached to this complaint a copy of the inaccurate Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report

Company response to consumer: Closed with explanation