BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In 2018 I lost my Job as an XXXX XXXX XXXX XXXX  due to XXXX XXXX XXXX. I immediately contacted our current Lender, Freedom Mortgage and explained the situation and how it was hard at that time to get another job, of equal compensation. Freedom Mortgage offered to assist us with the loan Modification. I worked very hard at getting all required documents to them expeditously. Every Month I would here from them saying my documents were not accepted due to reasons like " Your Paystub is Crooked '' and " Now your Documents have expired '' " You must start over Again '' This process went on for over 11 months until I received Final Rejection of Loan Modification. They had kept telling me NOT to send any payments during this process. I was now 11 months behind and they were threatening Foreclosure. We then had to pay XXXX XXXX XXXX XXXX  to file XXXX XXXX, which was very costly. So, we have been in XXXX XXXX since late 2018, and making payments to the trustee. This past XXXX we were victimized by the Ice storm/Power Outage here in XXXX Texas. We suffered a busted pipe and subsequent damages. XXXX XXXX Made a final settlement of {$16000.00} for home repairs. The first check of {$9700.00} was received on XX/XX/XXXX, and susequently overnighted to Freedom Mortgage for their endorsement. They have since contacted me by phone twice, stating they WILL NOT endorse the check, due to me being behind in mortgage payments, which I am NOT. Every time I have to deal with this lender, They are just extremely disrespectful and arrogant and NASTY to me. I personally feel their plan all along has been to cause repossession, due to my original note being $ XXXX and my property value has just been assesed at $ XXXX XXXX XXXX tax assesor. I really feel their ultimate goal is to take our house away from us, anyway they can. I reached out and notified by bankruptcy attorney, and she is going to have to file a motion to force them to endorse and release the insurance check. She stated this will probably take quite some time. Our house has moldy walls, ruined carp [ et and flooring. We already have a contractor lined up, but he can't get started until I have funds in the bank. I have been informed that their action of delaying their endorsement is illegal. This lender has done nothing but XXXX with and Aggravate me, every time I contact them. I am a 14 year veteran of The XXXX, and I DO NOT appreciate being disrespected and abused like this. Also, My wife of 30 years is extremely XXXX with XXXX XXXX  XXXX and conditions. The stress that this lender has caused us has literally put her back in the hospital, 4 times in the past 2 years Please help us, if you can. I thank you for any time and considerations on this matter. 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 2022-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
According to my research about FCRA 605, you are required by law to remove & block any inquiries were not authorized. Again, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 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 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 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 2022-10-06
Company: Aswad & Ingraham, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone showed up at my door claiming to be law enforcement and said he had an arrest warrant for me but if I contacted the agency he wouldnt have to arrest me. He has shown up twice wearing a badge around his neck. I didnt ask him to show me his badge but I will next time he shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove this account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit reports. To this day it has been 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my rights and disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days due to covid gives a reason to immediately remove these items from my credit report it has been well over the required grace period so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the " EQUIFAX '' data breach and may have got into the hands of the wrong person my reports show social security numbers I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to call Conduent for a month since XX/XX/2018. I wrote a letter to the address listed on my statement and the letter was returned! All of the numbers I have tried for Conduent are disconnected! Is this company a scam? I don't know. How do I get ahold of the company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This complain is about XXXX XXXX card ... while applying I was told to open a new card that I would earn a certain amount of points. 
Never got points, it was turned around on me and said I had to purchase. In the initial transaction online said transfer and new purchase. 

Second complain is about allocation of payment. I paid a lump sum in XXXX and majority was suppose to go to balance transfer. Only {$63.00} dollars was applied, and the rest was getting high interest rate. Every time a payment is applied it only goes to the first bucket of interest. According to my statement, the transactions are divided into two brackets. One is a higher interest rate than the other. So, I was paying higher interest rate for the balance transfer when money was apply to pay some of it off. The credit card company told me that they can't allocate payment.

So, if payment can't be allocated, why is there two bucket verses one payment. The statement is broken into different catergory. Please advise on this situation.

It's like buying 2 different purchase with two different interest rate. If it is so then a person should be able to allocate payment. If not then they owe me XXXX  point for opening a card with one interest rate as the rep claims. I believe to open a XXXX card was XXXX points or more at the time of promotion. 
Please advise to XXXX Thank You, 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 2020-10-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Account is with Wells Fargo Home Mortgage and they refuse to accept my payments after the forbearance. I initially accepted the forbearance due to COVID, and verbally spoke to them in XX/XX/2020, they advised me to make an XX/XX/XXXX payment which I did and now they are holding the payment is an " Unapplied account ''. I have called back numerous times and they refuse to take me off of forbearance, refuse to accept payment and have assigned me a case worker. A case worker on the XXXX XXXX. I live on the XXXX XXXX so now I must acquiesce to their time zone!

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 2023-03-06
Company: Continental Finance Company, LLC
State: OH
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:
Credit card was closed on XX/XX/2021. Has been paid in full. I have called 3 times to take care of this. They are charging me monthly fees and now late fees 2 years after it has been closed

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 2022-11-24
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows, or has reasonable cause to believe that the information is inaccurate.

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 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a XXXX XXXX  XXXX company thats business for selling XXXX XXXX to XXXX. Our company placing bulk order from contract manufactures and when products are ready we sell and ship it to XXXX trading partners. We also opened an XXXX  at XXXX XXXX platform and sells XXXX to XXXX consumer individually. The platform utilize their financial system XXXX XXXX to clearing any payments from XXXX consumers and less any amount of service charges and send our revenue usually monthly to us then. 

Our business has opened our savings and checking account with BANK OF AMERICA since XXXX and we are always in compliance with their rules. We are doing normal and legal business and all of our revenue sources are legal. 

However, in the last couple of days I found our BOA credit card isn't working so I contacted BOA on XX/XX/2022. The agent says on XX/XX/2022 they decided to close all of our accounts, which includes our Business checking, savings, credit card accounts and as well as my person BOA saving and checking ( I barely use BOA personal account ) and my accounts will be frozen on XX/XX/XXXX AND permanently deleted on the XXXX. They wouldn't tell me why and saying that this is a permanently decision meaning I won't be able to open account with them forever. This is very ridiculous, confusing and troublesome. 

I would like to make a complaint for the bank to reverse their decision if they can't stop the process of closing my accounts they should at least allow me to reopen new business account with them. They are making wrongful and false decision and this must be corrected. Right now, it has been causing me so much troubles due to the account closure.

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 2022-11-24
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on XXXX  and Transunion.

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 2021-05-20
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have an auto loan with Santander Consumer USA on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with Santander stating I would continue making my regular monthly auto payments to Santander Consumer USA. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that Santander has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called Santander Consumer USA back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by Santander XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach Santander Consumer USA a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Broward Adjustment Services
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent Several letters to this company over the past 3 years and advised them that the debt was not owed by me and Im XXXX and not liable. Advised them that I am exempt from collection attempts under the federal XXXX act. As of the writing of this complaint Im still receiving multiple collections calls from different untraceable numbers from this company and adverse actions on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of Equifax Data Breach. I want to delete those accounts ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since the first week of XXXX me and my mortgage lender have been trying to get a payoff good for 30 days. When we finally got the payoff on XX/XX/XXXX, it was dated XX/XX/XXXX and expired XX/XX/XXXX. The loan will close on XX/XX/XXXX but the creditor will not receive their money by the XXXX, not enough time. When we requested an updated payoff they refused unless I make a payment. These people have already garnished my bank account {$1400.00}. And didnt even deduct that amount from the payoff amount. We are wanting and are going to pay this debt. The refinance loan has already been approved, closing date scheduled. Can you please help me with this? XXXX XXXX represented by the firm of Zwicker and associates. I have never had so much trouble trying to pay someone. Please help. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
GM Financial is currently reporting me as " late '' on my credit bureau. I have yet to receive a final bill in the mail, my lease ended XX/XX/XXXX. Somehow, even though I have made the 39 payments and turned in the vehicle, they are still reporting me as XX/XX/XXXX days late and ruining my credit.

Company response to consumer: Closed with explanation