BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Reached out to BBVA to inquire about a refi mortgage with their professional loan program. Asked very SPECIFIC questions about loan rates, buy-downs, costs, LTV requirements, and credit requirements. We were given rates with an email stating that this was for 90 % LTV and credit scores above 700 scores. After giving our application info and meeting all of those requirements for a 3.5 % rate, our loan officer was out sick for a week leaving no one to handle her files or clients, and not even an auto reply ... just no answers for five business days. When she returned, all of sudden, our rate was almost a point higher and our 740-800 credit scores were not good enough for a lower rate anymore. My husband and I were applying jointly, and I ( the cosigner ) NEVER completed my application, yet I get my credit card statement this month ... and a {$650.00} charge was made to it on XX/XX/20 by BBVA. There was no permission for my card to be charged nor did the cosigner ever even complete a signature. We have not even been informed with an email or a receipt giving information as to what the charge is covering. BBVA has displayed fraudulent rates and programs, purposefully misrepresented the program, intentionally withheld true requirements when asked repeatedly by the customers, allowing them to begin processing our loan under false pretenses when there is an email as proof that they were told to cease all operations of our loan application. Apparently now the representative has started the processing procedure by charging {$650.00} without permission to our credit card. We have emails and screenshots to share if it would help to understand this situation better, and we are happy to share the name of the mortgage originator and her license number. This is deceptive and predatory marketing/operations, at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
l have a new last name, new phone number and new address, credit reports are still showing old information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.

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 2019-09-21
Company: Ad Astra Recovery Services Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I was notified by XXXX XXXX that a collection agency named Diversified Consultants had place an account for collections on all three of my credit reports. I checked all three and verified this. The original creditor is XXXX XXXX I contacted them also on XX/XX/2019. They claim I do not have an outstanding balance. I was never notified of this debt until it was placed in collections. I have been at my residence for 6 plus years and have never received a notice in the mail concerning this debt. I have had my identity stolen in the past and Im concerned this is a result of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: MD
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX  ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX Account # XXXX ( XXXX, XXXX, Equifax ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX Account # XXXX ( equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-08-10
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not sure what company this is. All it says on my credit report is Credit Corp Solutions-Line of Credit for {$1700.00}. I have never heard of Credit Corp and I didn't borrow this dollar amount! So I'm disputing these charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have contacted them so many times in order to help me with lower interest rate and payment plan. They keep refusing. I do not know what to do? XXXX XXXX? I can not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: CA
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 several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested XXXX XXXX  remove the late strike on my credit report, and they refused. I filed disputes with Experian, XXXX, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late 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 explanation
Consumer complaint received 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY 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 2017-12-13
Company: SYNCHRONY FINANCIAL
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:
I do NOT have a signed contract nor any contract with SYNCB/XXXX, Walmart or XXXX XXXX XXXX I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint concerns Bank of America 's unwillingness to compensate according to their " deposit and disclosures " agreement for debit card fraud of approx. {$XXXX}. 
I deactivated the card on XX/XX/XXXX of this year, and the only correspondence i've received from the bank are notices of the case being opened and closed. I've informed the bank that my attorney requires supporting documents, but I have to keep reordering them as they never arrive. Please note supporting documents to include police report, bank closure notices, and my original letter to Bank of America. 
I haven't enclosed the letter from myself to the law offices of XXXX XXXX  XXXX XXXX  XXXX, XXXXIn that letter I raised the question of how could I be in California and Noth Carolina at the same time as the charges are of that nature..

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 monetary relief
Consumer complaint received 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for something subject to a 60 day money back guarantee ; I requested the refund and offered to return the product. I have not received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NV
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:
My rights are been violated by credit bureau they are reporting inaccurate information violating my rights to privacy also they are furnishing accounts without any permission after I told them that this was fraudulent activity I have attached my identity theft form on the bottom please help me remove these immediately thank you so so much 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 2022-08-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I personally invested {$29000.00} with " XXXX XXXX '' beginning in XX/XX/XXXX. I've been asking for receipts to file with my CPA as well as a XXXX. XXXX has not produced either form as of XX/XX/XXXX. Since that time, I have been in touch with about 20 other investors that have been defrauded by XXXX XXXX. I invested into a short term rental agreemtent with Your XXXX XXXX  ( agreement attached ) for the purpose of XXXX managing a XXXX unit for me. The unit has failed to produce a profit/ the profit has not been shared with me and XXXX XXXX has stopped communicating with me. I do not believe he has reported the income to the IRS collected from me or the other investors. Other addresses I have on file for him and XXXX XXXX XXXX  are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: TX
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 been a victim of identity theft. I have contacted XXXX and Equifax to disputed the inquires, from fraud. Equifax concluded the same day I filed my complaint that the inquires were valid. This is not a true statement and how can they investigate so shortly. XXXX I have no luck with either. I reported this when I discovered the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY 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 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
Capital One persists in charging my checking account for previously disputed and credited XXXX recurring charge. Charges were disputed and reversed. Recurring {$100.00} charge from XXXX is not authorized, not recognized, has been repeatedly disputed. XXXX account has long been closed. No recurring charges are authorized. Capital One checking account XXXX was closed over fraudulent recurring charges. Capital reopens account and replaces false recurring charges after they were already disputed and reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: SYNCHRONY FINANCIAL
State: MI
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX inquiry All of these are inquiries were reported to my credit without authorization!

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 2019-09-20
Company: EQUIFAX, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: CURO Intermediate Holdings
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Some one used my information to get cash from Speedy Cash it was not me I believe Speedy Cash approved {$250.00} and now a Credit Agency - XXXX  XXXX is sending me messages that I owe {$300.00} When I called Speedy Cash to let them know I did not ask for nor receive money from them they told me to make a police report -- the hours that I work do not allow me to go to a police station to file a report -- the local sherriffs office is not open on XXXX. -- the credit agency told me to file with you so that's what I'm doing -- I did have some one try through the XXXX XXXX XXXX XXXX file for a bunch of dept. store cards online - XXXX  XXXX, XXXX, XXXX XXXX, to name a few so I think it might be whoever did that - XXXX XXXX  did tell me that they are the bank for XXXX to which I had a card I cancelled so I think this all a result of cancelling that card. -- Thanks -- I did not take a Speedy Cash loan wasn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Honestly, CFPB, I am thankful you exist to turn to when not receiving reply from the servicer, SLS. ( Specialized Loan Servicing ) Included herewith you will find my TIMELINE of calls made to SLS one XXXX XXXX without reply or ability to speak with MS XXXX albeit she was on the line with the representative with whom I was speaking. 
Then calls to SLS Included please find my emails with enclosures of photos of the soaking wet damaged XXXX parcel from SLS XXXX XXXX with NO REPLIES. 
NONE. 
Even the email with sujbect line marked URGENT URGENT URGENT had been ignored, it appears. 

# 1 ) What was in the SLS XXXX envelope? 

# 2 ) What is the result of the SLS ordered agent XXXX? 

# 3 ) Why is no one calling back or emailing or REPLACING THE XXXX  that was damaged ( again, photos enclosed )  # 4 ) What is happening with the NEW SHORT SALE resubmitted, as requested by SLS with ALL documents provided as requested?

# 5 ) We need answers so as NOT TO HAVE the SHORT SALE EXPIRE AGAIN as it has in the past.

PLEASE know this is unbelievable as SLS has a staff with departments and people to handle their emails, calls and requests. 

This is my FULL TIME JOB just trying to get through to SLS or get answers to my questions cited above. 

I'm certain you are tired of hearing from me and I am not delighted to have to bother you again, but, again, I am thankful there is somewher to turn.

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