BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX, I had to switch accounts from which my mortgage payment was withdrawn from ( to a XXXX account ). Prior to that, several months before, I was issued checks for this said XXXX account. Without my knowledge, these checks had the wrong account number on them ( two digits were switched ). Prior to switching to this new XXXX account, I had used the erroneous checks successfully and without notification from XXXX that the numbers were not correct. 
When I added the payment information to Freedom Mortgage using the erroneous check number, I was not immediately notified that the account information was incorrect. I received a letter from Freedom two weeks after the payment failed mentioning the account number was wrong. I thought that maybe I inputted the check number wrong, as I had no idea the account information on the check was incorrect. By the time I received any notification from Freedom Mortgage, I had a late payment and a negative credit reporting. It wasn't until this time that I realized the account information was wrong. Again, XXXX used did successfully withdraw payment to another vendor using one of these checks. 
I am complaining because Freedom Mortgage did not give me adequate time to find and adjust the error. In a communication with them, they claimed they called me on three separate dates. My phone records do not show any calls from them. They also said they were unable to leave voicemails. In a further communication, they said they don't always attempt to leave voicemails. I had a perfect payment history with all companies, over XXXX in liquid assets on a $ XXXX mortgage. They did not provide adequate time ( mailing a letter weeks after the delinquency ) and I could not find the error in time. Then they lied about actually calling me.

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 2020-05-23
Company: CAVALRY INVESTMENTS, LLC
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:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They even refer to me as an incorrect name. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021, A Affidavit Of Truth was sent to this company by USPS Certified Mail, tracking number : XXXX. Detailed was notification to this company on the violations they have committed under the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) a Affidavit Of Truth with sworn statements under penalty of perjury to confirm all statements as facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: AR
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
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:
I send a letter to this company making to remove incorrect information on my report and have not receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I made prior payment arrangement with XXXX and unknowingly to me, First Financial Asset Management has begun reporting debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX my roommates and I found the property XXXX XXXX XXXX, managed by the company XXXX, online and as I am the only one of the four of us in the same state as the property I took two days and rented a hotel to see it in person. In order to view the apartment/townhome, we had to fill out a lease and put down the {$100.00} application fee as well as a {$350.00} deposit. When I arrived it was to find XXXX XXXX XXXX was not the clean and safe community advertised ; the streets were in disrepair, the garbage was overflowing onto the street and people 's possessions appeared to have been thrown out on the lawn. When we inspected the apartment itself not only was it outdated, there were cracks in windows and patio pavement, part of the stair railing missing, and old carpet in a filthy condition. As this was not at all what we'd been led to believe we were paying for I asked for our money returned. First with the community office, where they were very confrontational and when it became clear we could not reach an agreement I then contacted my credit card company to file a dispute. My credit card company refunded the money and XXXX agreed to send a check back. I informed the XXXX 's office multiple times that I would not open any mail or check addressed to the other three people on the lease as they do not live with me but the company sent a check addressed to the four of us to my address anyway., this was around XX/XX/XXXX. I sent it back. Recently, as of XXXX, I received a letter and three other letters addressed again to people who I'd informed the management at XXXX XXXX XXXX multiple times do not live with me. The letters were from a collection agency and the one addressed to me stated I owe XXXX XXXX XXXX {$400.00}. I can confirm they also requested the same amount from my potential roommates. After being promised a return of our money they are now requesting through a debt collecting company that we pay {$400.00} each ; and will damage our individual credit scores if not paid. I attempted to contact the debt collecting company, XXXX XXXX XXXX, and spoke with a representative who not only refused to transfer my call to a supervisor but hung up on me. I then attempted to call the Corporate Office for XXXX at XXXX and have yet to receive a call back after leaving a message about the situation. The application fee was {$100.00} if that is what they are requesting we pay, not {$400.00} each. I can only assume this is some sort of petty scam for extra money, the consequences of which are going to have a negative effect on my credit. I will also be contacting the XXXX XXXX XXXX on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transunion LLC, located at XXXX. XXXX XXXX XXXX, PA XXXX has been receiving letters from me since XXXX of 2020 regarding an account, XXXX XXXX XXXX. I have submitted letters on my behalf asking them to " verify '' this account according to the FCRA rules and regulations. They have failed to do so each time. The response is always it has been " verified '', but they never disclose how. I have been compliant with whatever is asked of me from them ( submitting police reports for identity theft ) and still they fail to comply according to the rules and regulations, which states, that they, in fact must submit proof as to how they " verified '' this debt. The debt in question does not belong to me. I never resided at the residence that is charging me with the debt. Please review the attached documents from both me and Transunion. Upon review, you will determine that they are not providing any proof as to how they can prove this erroneous debt belongs to me. They need to be held accountable for being non-complaint.

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 2017-08-11
Company: Navient Solutions, LLC.
State: VA
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:
On XX/XX/XXXX I entered into what was thought to be a standard 10-year repayment program with Navient Student loans. This was for both Stafford and Direct student loans. On XX/XX/XXXX my repayment amounts went up. I contacted Navient and they stated that my Direct loans were on a graduated repayment plan but my Stafford loans were on a standard repayment plan. I told the representative that I did not sign up for a graduated repayment plan for any of my loans, and that if I was going that route I would have done it for all of my loans. I asked her when this went into effect and she stated it started from my first payment on XX/XX/XXXX. She then stated that they have no record of the disclosure of terms of service being sent to me and they would send one now. I explained that I have spent 2 years paying interest only on the Direct loans and it does not do me much good to have a disclosure of the terms of service now but it would have been great to have it when I started. She stated they could move me to a standard repayment plan now, which would increase the total monthly amount by almost {$200.00} from my original payment. I asked what my standard repayment amount would have been and she said she was not sure as she would have to calculate it from the original balance, but it would have been lower than the newly quoted amount. I shared that I would not have agreed to making interest only payments for any portion of my loans for any time frame and that had I been disclosed that my Direct loans were on that program I would have immediately switched them to a standard repayment plan. She ended the call with saying she would put in a request to see how the Direct loans were originally put into a graduated payment plan, whether it was online or by phone. She also said they would be sending me a Terms of Service disclosure for the graduated loans that she had no record of ever being sent to me when the loans started. I told her I needed to check with a financial adviser prior to making any further changes of those loans and that I need to talk with an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: ALLY FINANCIAL INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received telephone calls from an " unknown number '' to my cell phone every day for the past two weeks, at varying times of the day. When I answer the phone and ask who is calling, I am told that it is XXXX from Ally bank, looking for [ my sister 's name ]. The individual states that my sister and her boyfriend are clients and they are not answering their phones ; the bank is trying to reach them. They stated that they found my cell phone number via a " public database ''. I have asked for my telephone number to be removed from their list, and stated that this number is not associated with my sister, yet they continue to call.

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 2020-11-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Financial systems, XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account # XXXX Commonwealth Financial systems is reporting a dept that I have no knowledge of and that the listed original creditor can not verify after contacting. The listed date of first delinquency date XX/XX/XXXX to the listed Assigned date XX/XX/XXXX date Exceeds the 5 year Florida statue of limitations for collecting medical dept. this account was outside of the statue of limitations at the time of reporting please REMOVE THIS ACCOUNT. 
The listed account number does not match the account # provided on their notice. 
The listed balance does not match the balance listed on their notice. 
Commonwealth Financial systems did not provide me a notice and give me 30 days to respond prior to reporting. Their notice was provided XX/XX/XXXX nearly 3 Months after they listed the account on my credit report. The notice was provided after I disputed the information stating that I did not receive a notice. 
It is required by law that the information on my report be accurate PLEASE REMOVE THIS ACCOUNT! It is reporting inaccurate information and I have no knowledge of it. the listed original creditor can not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was opened XX/XX/XXXX. It was paid off at the end of XX/XX/XXXX with certified funds from my closing attorney. They were notified it was going to be paid in full. It took weeks before my payment posted. They reported a 30 day late on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted XXXX on XX/XX/XXXX for 3 employers. On XX/XX/XXXX I received a letter saying that 2 of my employers had been certified. I did not receive any information on my 3rd employer ( XXXX XXXX XXXX XXXX. All 3 ECF 's were submitted and received as one PDF so they all should have been reviewed/approved. I called on XX/XX/XXXX and asked about the 3rd ECF. They said that it was reviewed and denied on XX/XX/XXXX which was when account was tied up in consolidation so it caused an issue. She said that she saw no issues with the ECF and would put in for review within XXXX business days. I waited XXXX business days as well as 90 business days from original submission on XX/XX/XXXX and have not received any information on this ECF ( including information when it was denied on XX/XX/XXXX ). This was my longest employer and would have ensured employment verification for PSLF. It appears that MOHELA did this as a delay tactic to delay forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a complain w/ this company secure billing service the treating me that they gon na sue me and bring me to court and this person name XXXX XXXX and his tel. No XXXX he told me that i have already my name in court and they are so disrespectful and the way he talk. It 's so unprofessional and I 'm complaining this company so that they will say this kind of works to the costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One put a block on my Capital One 360 card due to fraudulent activity. They told me they would send a new card within 3-5 business days. However, they originally sent me a card with the exact same card number so they had to send me out another card which I still haven't received and now I am going on the 6th business day with no access to my checking account. Capital One originally offered to expedite a new card to me for a {$25.00} fee. That is my complaint. This is an unfair practice. They should not charge me a fee in order to access my account.  They should be willing to get my card to me as fast as possible in order to access the funds in my account after fraudulent activity has occurred in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 

A DELETION OF THIS INQUIRY FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

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 2019-11-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Have contact chase 4 times since XX/XX/XXXX2019 to close account. Was told it would be closed and funds would be received within 7-10 Checking account funds of approx {$2000.00} have not been received. Each time i inquire I get the same standard response. Have contacted them on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. They have been little to no help, and now my account is showing closed yet I do not have any funds. Unable to now access any account statements online either ... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: DISCOVER BANK
State: OH
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 previously unlocked my credit report to obtain a XX/XX/XXXX business credit card, for my business however i noticed some one tried to open a discover credit card in my name not knowing i alreday have a discover credit card i did not authorize no one to use my name for a discover card or nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: NV
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:
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.

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 2017-08-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call at approximately XXXX XXXX on XX/XX/2017 from XXXX, company is XXXX XXXX. The person left a voicemail message stated that they needed a statement from me or my legal counsel which was an intimidation message. I called back at approximetly XXXX XXXX and was told that I have a credit card with Old Navy, told me that I owed the balance plus judgement fees. I have never been sued for this card, so I do NOT owe judgment fees. The debt is a time barred debt, over 4 years since last payment in the state of Pennsylvania. so they can not even sue me but the debt collector continued to threaten legal action. I told her that she is in violation of FDCPA laws by continuing with this empty threat. She informed me again of my balance with judgement fees ( with no judgment received????? ) and that she did not know about my state 's laws. I called the following day to ask for something in writing about this debt which I never received ( I have not moved in 10 years ) - I still have not gotten anything. I also asked for their physical address to send a cease and desist and was hung up on 2 times.

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