BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: AMERICAN SECURITY MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are a veteran family trying to purchase our 2nd home. Weve been working with a mortgage officer named XXXX XXXX at American security mortgage in XXXX NC. He pre approved us back in XX/XX/2020. We went under contract on a home that was contingent upon the sell of our first home. We listed and sold our house. The purchase of the 2nd home fell through due to the sellers. We found a 2nd home, put in an offer and XXXX came back and stated due to covid he couldnt get us financed on that home. This had nothing to do with anything other than the type of home and covid according to our realtor and the lender. So we started looking again. We went under contract again in XX/XX/2020 with a set closing date of XX/XX/2020. On XX/XX/XXXX we were informed only because I asked what time our closing would be that we in fact would not be closing on time. We have been told a different story as to why we couldnt close every single day since the XXXX. I have contacted our mortgage officer daily since the XXXX of XXXX a minimum of 5 times a day, left messages and sent text. My husband has also asked him to please call me, where he replies I will, give me just a few. Every time he physically speaks with my husband and is asked to give me a call back he states he will. Until today, today he informs my husband that he can not legally talk to me. We are a married couple buying a house together where I am on all the paper work and have a power of attorney. I have differing questions from my husband and would like answers. XXXX XXXX is very unprofessional, not respectful of others times and disrespectful. We have been treated very poorly, had terrible communication, lack of empathy, and all around a horrible experience. I wouldnt wish this experience on anyone. At this point we are over a week late on closing and there isnt a solid reason as to why. Every day we are told something different with nothing to back it up. I have reached out to higher management in this company with zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: DCN Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/XXXX by XXXX XXXX regarding XXXX XXXXXXXX XXXX. The debt collector stated that I owed XXXX to XXXX XXXX for exclusion work that was contracted on XXXX XXXX ; however, this debt is not valid since XXXX XXXX exclustion never preformed the work. I took off work on XX/XX/XXXX because that was the day the exclusion work was to be done. The company was a no call/no show. I called the company the following day to express my displeasure with lack of professionalism. They explained to me that an employee had quit and that they were down a truck, and therefore unable to complete my service. I informed them due to the lack of communication, no call/no show, to cancel my contract since I lost confidence in their business as a consumer. Friday XX/XX/XXXX, the company charged my credit card for services not render. I contacted XXXX XXXXXXXX XXXX, and was told the charges would be reversed. I contacted XXXX my credit card to dispute the charges as well. Now, almost a year and half later I a get a calls and letter from a credit debt collector trying to collect on a debt that is not valid.

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 2020-01-30
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: American Coradius International LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the creditor by the name of American Coradius International, LLC on XX/XX/XXXX. 
Claiming I owe an amount of {$360.00}.

I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed.

Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud.

I also decided to research this American coradius international LLC and found multiple sources saying this is fraud as well.

I then contacted this creditor directly and they informed me this was from  XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has two address on credit report of cities I have never lived. The address in question are XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
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: Their investigation did not fix an error on your report

Complaint:
THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER EQUIFAX, XXXX NOR XXXX HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BlueChip Financial
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XXXX XX/XX/2019, I contacted Spotloan on their main number XXXX XXXX XXXX XXXX to schedule a payoff of a loan I had taken for XXXX XX/XX/2019. Before I hung up the phone, I asked the agent if they would be taking the monies from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2019, I received a notice from XXXX XXXX XXXX XXXX that Spotloan had tried to take the money from this account, and that they are charging me {$29.00} for non-sufficient funds. I contacted Spotloan on XXXX XX/XX/2019 to find out why. They told me that they would call me back, and never received a phone call. I called Spotloan on XXXX XX/XX/2019 to figure out what happened. First the agent tells me that my phone isn't receiving incoming calls, but I never received a call, and I have no need to block them. Then the agent got my information to verify. They put me on hold to review the account. After a couples of minutes, the agent came back on to say that they reviewed the call and they wouldn't help me because I didn't specify the difference in banks. The agent told me that the bank on file and the bank I wanted the money to come from were the same because they were both credit unions. The agent stated that since I didn't specify the bank that they will not help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not receive my class action settlement from Wells Fargo for being overcharged on ATM fees and higher interest rates on my debit card and on my credit 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 2021-09-27
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of {$390.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

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 2023-01-24
Company: Self Financial Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I've tried to get in contact with SELF Lender about the Wrong reporting on my account, I had a Credit Card with Self Lender for a year that came with a savings account, at the time I checked my Credit Report they were reporting it charged off, and I tried contacting them to withdraw my money out of my savings account and they wouldn't let me. and I believe I had {$400.00} to XXXX in my saving account over the year and some months I with them. I sent them a letter of to verify what they are reporting is accurate but did not hear back.. I tried to I sent them another letter and still didn't get a response. I sent another letter on XX/XX/2023. its reporting late payments that I don't know of so I need this issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. AXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job nad was not able to make payments. I was referred to the XXXX owners Held Line located in XXXX FL help me modify my monthly payment. They asked me to send documents and i was charged XXXX . I sent all the documents they were asking for with a deposit of XXXX . The kept calling me to send them the remaining balance of XXXX. I refused because i didn't receive any updates from them about the case evolution. 

It has been 3 months i'm calling them in vain. All the mortgage statements go to them. I don't receive any statement from the mortgage company for a while. I don't know what to do now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX Ryman Place XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Lending Club Corp
State: WA
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:
My wife made an online purchase from a company in XXXX XXXX using her debit card. The product arrived with no issues but within days of making the purchase her card was being used in XXXX XXXX and online to make attempted purchases. There were purchases for XXXX, XXXX, XXXX XXXX food delivery, local stores and more. It amounted to over {$3000.00}. Most of them were rejected and about {$2000.00} was returned to our account automatically. I called the bank the day they were made and were still pending and filed a fraud claim. They rejected the claim stating that since the CVV was used they can't return the money. We asked that they escalate the dispute and they again denied it for the CVV. Talking to the customer service agent he admitted that CVV information can be compromised. Both my wife and I work in banking and have extensive experience with fraud cases. We know that CVVs can be compromised and we have not been in XXXX for years, I haven't been to XXXX in over 20 and my wife hasn't been in just as many if not more. 

Their refusal to investigate more than the CVV and refusal to refund is goes against our protections and liability for fraud. They won't refund our money, I will also be filing a complaint with the state Attorney General. Please help to resolve this. The bank is XXXX XXXX, they are now owned by Lending Club

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a previous account against synchrony bank ( XXXX ). I was never late with my payments nor missed a payment. The XXXX XXXX XXXX said I could pay it off by paying my final payment of {$54.00}, yet she indicated to you that the account was closed with 'relief ' of {$49.00}. My bank statement clearly shows {$54.00} paid to Synchrony Bank as final payment, incident number : XXXX. You were deceived. Not a problem. Moving forward, yesterday I used my synchrony card to make a purchase at XXXX Spaces... I was denied. I left two messages for XXXX XXXX XXXX asking her why they denied my purchase. My credit score was excellent. I was never late making a payment with synchrony, and I never missed a payment except when synchrony asked me to hold a payment until an investigation regarding a charge was complete. 

I need to know is this revenge because I filed a complaint with you. What reason could they have for denying my living spaces request, it's only {$500.00}. Thank you.

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 2019-11-05
Company: TRIAD FINANCIAL SERVICES, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2018 we purchased a Manufactured home from XXXX XXXX XXXX XXXX  in XXXX  XXXX, OR through Triad Financial. This was the only possible way to purchase this home at that time. It is a super high interest rate but we planned to refi within the first year. I even spoke to the Assistant VP/Manager at Triad, who assured me we would be able to refi this loan, no problem. During the past year we have been in constant contact with Triad either first hand or through a mortgage officer attempting to refinance this loan. Triad is refusing to give up the title to the home so it can be eliminated in order for us to refi. We have offered to put up the 5 acres of land we placed this home on as collateral, sign and file any neccessary legal documents of their choice and/or contracts so Triad will still have some sort of collateral during the refi processing time. Our property, with the home on it, is worth more than DOUBLE the amount we owe Triad for the home itself. We owe them $ XXXX  and our appraisal came back at $ XXXX. Triad Financial refuses to work with us on this even though we have the assests and are willing to let them file a lien against the property. Our mortgage lender and us feel they are being lazy and deceitful trying to keep us in this high interest loan. We have spoken to several different banks who ALL agree. This company is gouging the average american and this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wife left me at the end of XXXX. While going through things at home I found XXXX different credit cards in my XXXX of these cards have my name forged on the back of them and have been used. I can tell that it is my wife 's signature. Now I am starting to get texts and calls from debt collection agencies over these cards not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently paid off our Texas home and at closing we had an overpayment as well as escrow balance of roughly {$3700.00}. Chase informed us they would be dispersing a check for this amount immediately after closing on XX/XX/XXXX it would take roughly 7 to 10 business days for us to receive the check after XXXX business days we called in to ask when we should receive the check as we still have not received it. They stated that they could add the funds directly into our Chase business account and it would take one to two days to process. XXXX days after not receiving the funds again we called in and were informed that they could not process the funds into a business account. It had cut another check to be here no later than Wednesday, XX/XX/XXXX. After not receiving the funds by Thursday the XXXX we had called in again and spoke to an escalations manager to informed us the check would be here no later than the next day Friday, XX/XX/XXXX. We just got off the phone once again today, XX/XX/XXXX with another escalations manager, who informed us they would cut another check, which would likely take an additional 10 business days to receive. At this point it seems Chase has no intention of actually dispersing our funds back to us, and is unwilling to make any accommodations to give us our owed money.

Company response to consumer: Closed with monetary relief