BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am contacting you in regards to my mortgage acct with Freedom mortgage. I have been struggling with this company now since XXXX I filed chapter XXXX Bankruptcy XX/XX/XXXX prior to that I was working with Community Development with the City of XXXX to get a loan modification during this period of time NEVER helped me they were always missing forms ( There is no decision yet they are still confirming that we sent everything that was needed for the underwriter. ) so I was at my final days and I filed bankruptcy this year in XXXX The mortgage company has filed a Motion for Relief from stay, I was able to obtain a stipulation and was required to make payments to catch up this was finalized and i am still having issues with payments not being applied correctly. Now my current statement show that I owe XXXX payments are being miss applied. 

I am on this loan with XXXX XXXX, who did not file bankruptcy and they refuse to speak with her in regards to the loan, my chapter XXXX attorney states she has nothing to do with the fees going forward after the bankruptcy was approved and the stipulation is in place. 

I need help, I am not allowed to speak to any one there due to the bankruptcy, what can i do from her this is my 4th round since XXXX I do not want to lose my home!

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 2023-04-23
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 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.

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 2020-09-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Filed a complaint on XX/XX/20. Company replied XX/XX/20 stating they've completed investigation but could not authenticate my identity. They have my dispute and they have my consumer number. When I filed this complaint through CFPB, it asked for my date of birth to send to this company. Not sure how this company is unable to " authenticate '' my identity. This is just another one of their stall tactics that can be brought up in the courts and fined. I sent an email over to the company at the email address stated in the response letter they sent  me this morning on XX/XX/20 and provided all of the requested documents. I have still not received the telephone number nor the name of the person who allegedly verified this information. I have also been waiting for a return phone call that all of these representatives keep saying it will take 48 hours for a call back and i have not yet to speak with authoritative figure in this company and it's been a week since the request. They will not transfer you to a higher up entity. It is now 19 days past the allotted time and I still have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: PR
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:
I did a letter on XXXX and sent it on XXXX to Equifax tracking # XXXX, XXXX  tracking # XXXX, XXXX tracking # XXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help 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 non-monetary relief
Consumer complaint received 2023-04-23
Company: UMB FINANCIAL CORPORATION
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: Other problem

Complaint:
I have received a bill in the mail for a phony Visa card that I do not have. The Visa bill makes no reference to a business or company that would make it legitimate, such as a gas station visa, a department store visa, or an airline visa.The charge they are showing is {$160.00}. The bill is from XXXX XXXX XXXX in XXXX and is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was under a bankruptcy stay on XX/XX/2019 yet a XXXX XXXX XXXX Account ( starting with XXXX ) is showing a late payment during this stay. This is illegal and a clear violation. Account on Experian Credit Report needs to be fixed to show payment status current or entire account removed.

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 2023-04-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank Over the past 10-12 mos, Synchrony Bank has made it impossible to login to my account to access and make payments. I login, then it logs me out. Then the chat assistant pops up in an attempt to help me. After I have made 9-10 steps sometimes I can get in and most of the time I can't. I think this an attempt to charge additional fees and to ruin my credit if I allow this to happen. Which I won't. Please help me in getting restitution and to make Synchrony follow the preset guidelines to let consumers access their online account information with out speaking to someone in another country that has no clue what I am talking about on the phone. There is no reason I should not be able to speak with a live agent and have them work out the delima they have created. 

I need this fixed. 

Thank you, 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 2019-04-19
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged 2 overdraft fees in the amount of $ XXXX/fee by their manipulation post dates on my direct deposits and charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I, XXXX XXXX XXXX am the owner of SunTrust business account for State Department Corporate Divisions Account known by XXXX as my Corporation called, XXXX XXXX  XXXX XXXX. SunTrust compromised my account by closing it on XX/XX/2003. I was never notified. Today I found out that they are claiming that XXXX XXXX XXXX closed the account. He is INACTIVE XXXX to XXXX and can not conduct business for XXXX XXXX  XXXX XXXX. So how could he be a closer of my account. SunTrust said that record only go back 7 years, but we know that that is not true. My account number is XXXX and I need it reopened and its funds returned from its account and others like XXXX with brokerage services XXXX and XXXX. These are securities accounts acquired from XXXX XXXX  XXXX XXXX., my perpetual corporation that should have not 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 2023-04-18
Company: Experian Information Solutions Inc.
State: GA
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:
Consider this complaint as a follow-up to my previous attempt dated XX/XX/XXXX, to make sure that these items are deleted ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist bank took over our loan. During this process, we had to submit insurance information. 
We did so. Our insurance was canceled on us and we got new coverage. 
There was a 3-day lapse in the old coverage ending and the new one starting.| Truist sent us a bill for around {$17.00} to cover the 3 day lapse. We paid it. 

At the same time, we received letters to submit our insurance. We did so promptly. 
They stated if we don't submit the documents in 3 months we would have an escrow account opened on our mortgage. We submitted everything on time. 

Over the last 2-3 months I have been charged {$140.00} additional for an escrow account. 

I have called over 3 times and waited on the phone for at least 2 hours each time. I have been told to submit a form, which I never got. On the second call, I was told that I have insurance and I don't need the escrow account. And a request was put in to remove it. 
On the 3rd call, I was told I shouldn't need an escrow account and I would have it closed with the escrow total sent in the form of a check. I was also told my loan doesn't need a form to cancel the escrow. 

Now I have received a letter, that they are unable to comply with my request to remove the escrow account. 

This is taking a large chunk out of our savings. We have full coverage on the house. And they are charging us for nothing. I can't pay my mortgage without also paying the escrow charge. 
This is going to add up to an extra {$51000.00} over the next 30 years not counting compounding interest.

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 2021-09-12
Company: EQUIFAX, INC.
State: DE
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:
In XX/XX/2018, XXXX charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX  XXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Upgrade, 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:
Here is a summary of my interactions with the company Upgrade over the past month. 
XXXX. UPGRADE INC : XX/XX/XXXX, email sent to Upgrade : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with upgrade while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these Upgrade visa cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved Upgrade visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with Upgrade : I called upgrade Inc on the above date with a request to close the accounts and tag them as fraudulent. Upgrade Inc XXXX Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XXXX. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX DC XXXX XXXX past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank Card that you haven't use for XXXX  months or more. Please let us know right away if this wasn't you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: FIRST PORTFOLIO SERVICING INC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They take it out of my paycheck as a wage attachments. They say I owe over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the middle of a refinance transaction with NewRez. They are the current servicer of my XXXX loan. I chose them over other options but as soon as I stopped " shopping '' and signed the loan estimate with them, they became completely unresponsive. XXXX was great and I enjoyed working with him. I'm not sure what's going on. 

I've paid for an appraisal and am currently on a rate lock through XXXX. However, when i asked about floating down to a lower rate, my loan officer went ahead and moved me down and added a point to my loan scenario. Previously he's encouraged me to sign loan scenarios, stating that he'll be able to credit me for the cash it shows me bringing to closing at the end of the process. I took him at his word the first time but am starting to get uncomfortable with promises and am not getting answers. I followed up with him daily for 2 weeks since XX/XX/12 when I reached out to him with my concerns and questions. I have not heard back. I've also reached out to the loan processor and my loan officer 's boss. No responses there either. I then called customer service on Friday and again this morning and they sent out an " alert '' to everyone on my account and their supervisors. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the following item with Wells Fargo : Account information : The account above is being reported to the three major Credit Bureaus ( XXXX, XXXX  and XXXX  ). 

I already tried to fix this issue with the company. They have ignored me and I don't know what else to do. They are being unfair and negligent! I want a fair solution to this issue as soon as possible. I have been through emotional stress. 

I am a victim of fraud charges. My personal information was compromised and as a result fraudulent charges were included in my reports. I did not authorize ; neither did I benefit anything from these FRAUDULENT CHARGES that were included in my report. With this complaint, I want to demand this item to be removed from my records asap. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings on this account related to fraud. 

Please send the attached documents that I already sent to Wells Fargo. 

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 non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2018-05-08
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SW Credit Systems 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