BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: NY
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:
I have multiple inquiries on my report that i have no idea you authorized them to pull my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX continues to harass me and damage my credit by going back and forth. I notified Synchrony that the XXXX XXXX that was opened in my name was fraudulent. At the time of reporting it, I lost my wallet. I was not able to recover my wallet, and as soon as i saw the account reporting on my credit i immediately notified the company and provided the company with an FTC Affidavit, I additionally notified the law enforcement agency in my area that my wallet was stolen, and that someone used my Identity to open this account. When calling XXXX back after being sent 3 different letters i was told that they verified the account was fraudulent and that i would not be liable for this account. Additionally i was sent a letter in the mail the first time stating the account was fraudulent they verified that i did not benefit from the account. As stated to XXXX when my Wallet was stolen, my Identity was used to open the account. I did NOT benefit from this account, The bank account that they " stated made payments to the account '' is an account that i additionally reported as fraud as well, And that account has been closed and removed from my record. My Email addresses were hacked as well and my USPS mail was forwarded. I had to find all of this out and i have just now begun correcting and restoring my identity. After this letter, XXXX followed up with a second letter confirming they contacted all 3 credit bureaus to have the account removed from my credit reports. Lastly i just now received a third letter today and in this letter it states they were unable to accept my claim as they said i benefited from this card, and that payments are 1 year old? You can't accept someones claim, and then later after sending two letters confirming the fraud send a third letter stating its not fraud. You verified this account as fraud. I DID NOT Benefit from this account. I never received a card, my identity was stolen. This account has been removed from all 3 credit bureaus as fraud, and i do not understand why you are attempting to falsely send me documents clearly revoking everything you said in the first two letters. To me that seems like False legal documentation. This account is fraudulent, when the person stole my wallet they also forwarded my mail, they also opened bank accounts. Created email addresses and hacked my email address. I want this corrected now and to know what the real truth is? You have my law enforcement documents. Please stop being wishy washy. You already confirmed the fraud.

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 2021-05-18
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage has informed me they do not have our mortgage note. I am now concerned about the status of my VA loan and payment of state and county taxes. Freedom Mortgage representatives will not return my calls or emails. 

Due to refinancing, Freedom Mortgage bought the mortgage notes servicing rights a few months back from XXXX XXXX. After the transition, Freedom Mortgage Company contacted me wanting me to refinance my VA mortgage to a lower interest rate. During the process of refinancing Freedom Mortgage contacted me saying they do not have my mortgage note and can not move forward. The company emails me through some document program statingwe need your signed Net Tangible Benefit and/or modification agreement. 

I have tried emailing and phoning the company representatives in resolving this issue with no response. I have been paying our mortgage monthly but am now very concerned if Freedom is distributing my mortgage payments to the correct loan service, state and local taxes. I dont know what it means when your mortgage company lost my note! 


Freedom Mortgage Corporation XXXX. XXXX XXXX XXXX, IN XXXX XXXX I would appreciate any help in resolving this issue. 

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 2020-08-21
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:
I have disputed a fraudulent account. XXXX XXXX XXXX collection through Experian. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. 

This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? Experian is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.

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 2020-08-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I sent a certified letter to National Credit System inc for debt validation. the letter arrive to the company on XX/XX/2020. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete. In the validation letter package I sent a Cease and Desist for the company to stop with harassing calls which National credit system inc finally comply to do but they never responded to my validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Service Finance Holdings, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I fell behind on my loan and it was charged off. I contacted the company and got current with my payments, I was told since the loan was charged off I would no longer have any interest charges. A few months later I started to notice fees being attached to my monthly amount due. I called the company to inquire I was told it was a late fee so paid it, the following month the fee appeared again on my bill, I called right away but was told that I was now. Being charged interest and the will be on each bill even when paid on time. This is simply not fear but I continue to pay the fee to avoid adverse affects to my credit but it is still negatively affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Ohio has issued a U.S. Bank Reliacard to receive COVID-19 Unemployment benefits. I have been reciveing benefits on this card and used this card just fine until on XXXX XXXX, my card was suddenly " locked '' for ID verification purposes. Relicard associates told me to fax a copy of my ID, SS card, and a copy of my XXXX W-2 or IRA tax document, they would verify me, and have my card unlocked in 5 business days. I followed that instruction and sent those copies on XXXX XXXX and again on XXXX. After calling and waiting for hours to talk to someone to make sure they got it, they told me they can not call F.I.U.Verification where I sent the fax, they can not verify if they received the fax and I should send it again. I did so on XXXX XXXX, and this time I sent a copy directly to U.S. Bank Reliacard , so they too would have a copy of those same documents. Now, 4 weeks with this locked card, and having my unemployment benefits being consistantly deposited, I still have no access to a card that was given to me to use my benefits! I have been told by Reliacard, 5 days, then 7-10 days,10-15 days before my card can be unlocked. We are now past that. I have been told my documents have been received and approved, now on XX/XX/XXXX, Im being told they have not been approved, " the copies are too dark '', " we are backed up.. '' and " to call back in an hour.. '' this is completely unacceptable! I threaten to call Ohio unemployment, and Reliacard associates tell me they have nothing to do with it. Ohio unemployment says they can't help because there is nothing wrong with my benefits. I ask for FIU Verification number to call them directly, Relicard says they don't have a way to contact them! I look online at https : //www.complaintboard.com/us-bank-reliacard-l1835.html and there are thousands of the same complaint for the same reasons! What is happening? My bills are due and I'm sure I can't keep telling them 5 days, XXXX days, 15 days. Thank XXXX my resturaunt job that closed due to COVID taught me how to cook, but I have no food to cook since Reliacard 's so-called verification process has my benefits locked now for over 3 weeks. I will not attached the personal documents that Relliacard has asked me to forward, ans they contain Social Security number etc. I find it ironic that this day in age with the amount of fraud that is happening, Reliacard has asked me to fax personal info to a so-called verification group THEY can not contact themselves, nor will give me info to contact myself!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2018 - Reached out to Wells Fargo regarding a HARP refinance and talked into the Loan Modification process since the HARP refinance had ended already. 

XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 - Payment 's made on time and in the amount of {$550.00} XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 - Payments made on time and in the amount of {$800.00}. 

XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 


Each time I asked about the No Payment due for the month, it was explained to me by Mr. XXXX that this was worked into the Loan modification process and is designed to help the consumer. 

What was not explained was that this would be reported as 90-day late payments to our credit. 

I had most if not all payments Auto-Drafted and I never once received notice about us being behind in payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: NC
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:
Upon checking my credit reports I attempted to contact a creditor via certified mail using the address provided on my Equifax credit report. XXXX also provided the same address for them. The mail ended up being returned to me for a bad address. .I then initiated a dispute based on a false address on my credit report and returned mail via certified mail on XXXX. I sent them supporting evidence of USPS tracking showing the returned mail, the contents of the original letter to the creditor, and the address for the creditor on my credit report, showing the address I sent to. Equifax signed for my letter on XXXXOn XXXX Equifax responded ( confirmation # XXXX " Adverse accounts will be deleted in 7 years '' " We Verified the item belongs to you '' " We verified the item is being reported correctly '' " Contact creditor directly if you have further questions '' Providing the same bad address mind you. 

Nowhere in my letter to Equifax did I ask for verification of the alleged debt, nor it's reporting other than the bad contact address. 

On XXXX I sent a follow up letter to Equifax, the exact same letter with a PS. The PS informed them of their failure to properly investigate my dispute based on the bad contact address for the creditor. I also stated that I have no correct address to send correspondence to the creditor. With this letter I included a picture of the physically returned letter. I demanded a 15 day reinvestigation and if this creditor could not supply a good address to send mail to, to remove the erroneous item from my credit report for providing false information. They signed for my letter on XXXX and responded back to me on XXXX Confirmation # XXXX with simply " Adverse accounts are removed automatically in 7 years ''. Again showing to contact the creditor yet again with the same bad address. 

Clearly this shows an incompetent and botched investigation. At the bare minimum Equifax should have demanded the creditor to provide the correct contact address, or delete the falsely reported item from my report. 

Enclosed are the letters I sent to Equifax with signatures for the letters, Their Responses, An Equifax credit report showing the creditor 's address, A scorsense credit report showing the same address, A picture of the returned mail, and usps tracking showing the letter being returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
On XX/XX/2021 I applied for a credit application with Navy Federal and was denied based on my credit score and income. I am the natural person and original creditor as defined under 15 USC 1602 ( g ). I'm confused how Navy Federal can deny me from my own credit. When 12 1431 states that the powers and duties of banks is to borrow not loan money. Navy Federal borrows money from the Federal Reserve with the authorization of my social security card and signature. They do not have the authority to deny me credit based on the notion that they are not the creditor and the credit doesn't come directly from them. I demand Navy Federal approve my credit application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: LDF Holdings, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$700.00} from XXXX XXXX on XX/XX/2018. I have since repaid {$830.00}. My balance remaining is still somewhere around {$700.00} according to a XXXX XXXX employee that I spoke with on XX/XX/2018. On the website, when I try to load my loan agreement, it said " PDF failed to load '' so I am unable to view the terms of my loan. I was unaware that the loan would have such a high return ( paying over {$1500.00} for a {$700.00} loan. ) I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
gm financial has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted GM Financial 3 times to resolve the issue. I was told GM Financial switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX, I disputed and requested a written accounting of my mortgage payment from Ocwen Loan Servicing LLC. I did not receive said request however Ocwen did cause a Notice of Default to be filed against my home. I subsequently had to file Bankruptcy Chapter XXXX, which stayed the foreclosure proceedings, and Ocwen received 5 plus years of mortgage payment. On or about XX/XX/XXXX, Ocwen filed another Notice of Default against my home - claiming at least 10 different alleged amounts of money owed them when I contacted Ocwen to again request written accounting I was told " You're a loser ... you'll get kick out of your house ''. During the last 8 years Ocwen has threatened, harrassed, and has used unlawful tactics ( wrongful foreclosure ) against me to collect wrong amount of monies owed. I currently have a Trustee Sale date  scheduled of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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: Account status incorrect

Complaint:
The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.

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 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
To whom concern, I contacted capital one via mail and asked to validate a account that they say is mine. I requested that they capital one send me the following proof as they are obligated to do in accordance with the debt collection practice act, section 1692g under the law they have thirty days to supply proof, capital one did not instead placed a disagreement code with a resolution of dispute on credit file, that is not what the law says, I have not received validated information as i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCUwith no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation