BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FREEDOM MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-08-25
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Ashley Advantage credit card through Synchrony Financial, I made two separate purchases at different times, when Synchrony posted my purchases on my online account I set up an auto payment of {$140.00} mth, I wanted to know how my payments were going to be allocated - split between the purchases because Synchrony Financial doesn't show them on the statements where they are posting the monies. I called the billing dept. after the second purchase and I was told they would take my payment and split it between both purchase posting the minimum payment and the extra monies would be put toward the payment with the deferred interest purchase. 

On XX/XX/XXXX I login in on my online account and decided to call & ask what my balance is on each purchase since they don't show it on the statement. This is when I was told differently that my {$140.00} mth payment is only being applied to my first purchase that is interest free and NO MONIES is being posted on my purchase that has a deferred interest for XX/XX/XXXX. I blew my top and said this is wrong, this is how they are socking back interest to customers because they aren't splitting the payments on the accounts, customer service stated there isn't a way to allocate payments online and I would have to call in on a month basis to do that which is insane! They told me I should call the Ashley 's and talk to them. 

My first purchase has NO interest until paid in full and the 2nd purchase has NO interest for 12 mths SO XX/XX/XXXX is when the interest will start if not paid in full and NONE of my monthly payments since XX/XX/XXXX have been posted toward the purchase that has the deferred 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 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital one took an unauthorized payment of {$1600.00} out of my bank account on XX/XX/2019. Capital one admitted to my bank, XXXX XXXX, and asked for a letter to return the funds to my account. Now they are saying they will not give the money back after admitting the payment was unauthorized. Capital one contacted my bank on a 3 way call numerous times on a recorded line and admitted that the payment was unauthorized. This has happened 3 or 4 times to my account because capital one has no security and let 's anyone call and make changes to the account. I had a password but capital one removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have been working on several things that Equifax refuses to actually do their diligence. There are several items listed on my credit file that ARE PAST THE STATUE OF LIMITATIONS. Equifax is the only company that is reporting old information. The fact that they will not even respond to the government agency is only an example of the issues the common person has. They need to deleted out dated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Starting in XX/XX/2017 Bank OF AMERICA called me about fraud use on my debit card ... it aslo showed from XXXX  deducting over {$1000.00} ..beside other deductions. 

XXXX charges continued 4  times a month ... unauthorized for the next year. 

Since last year 4 charges a month has been deducted from my account ... i filed each time w bank and now after numerous calls and discussions they inform me i should of filed these claims as unuthorized charges vs. fraud charges .. 

THE BANK FRAUD DEPT HAS ALL THE CLAIMS. 

THESE ARE THE CLAIM ID NUMBERS.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not see any of these charges on thes claims being deducted from my account. 

One charge this past XX/XX/XXXX was for {$1800.00} when my monthly payment is {$76.00}. 

Poor communication W banking employees not knowing how to help their customers filed correctly. if it is fraudulent naturally it is not authorized. 

They told me once claim is filed one way it cant be refiled another. im out about {$9000.00}.

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 2022-11-06
Company: EQUIFAX, INC.
State: PA
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:
The XXXX XXXX account # XXXX is showing as open when it shows on other credit reports as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.

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 2019-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is a personal Delta American Express charge card. I am a 30 year customer with American Express. I suddenly, without notice or warning have noted that " Charging Privileges Have Been Suspended ''. The card is current, with no money owed. This notice is only available online and I never received ANY written advice of this action. My account is not " paperless ''. At the phone number provided to call for information, after nearly an hour on the phone THREE TIMES, no explanation was ever provided and I was advised I " would be contacted '' to explain the ( lack of ) issue. I was never contacted. I had accumulated miles points on the card that I can not access and my charge privileges have been suspended. I am unable to obtain any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We took a mortgage from NationStar Mortgage LLC three years ago. We have maintained a perfect record of payments ever since. 
We received a check for {$250.00} last month for " Refund of items overcharged at closing. ". 
How can a mortgage company force us to give them a three year loan without paying any interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear I.Q. Data International, Inc. : We communicated the CFPB Case Number : XXXX ; I.Q. Data Internatl Reference : XXXX already but given : -- your response to the Case dated XX/XX/XXXX and signed by XXXX XXXX Quality Control Assistant, I.Q. Data International, Inc. 
-- your letter from XX/XX/XXXX signed by the " Account Representative '' ( attached ) -- my email response to your letter dated XX/XX/XXXX from : XXXX XXXX <XXXX ( at ) XXXX ( dot ) com> to : XXXX date : XX/XX/XXXX, XXXX XXXX I urge you to immediately remove the negative report to the Credit Agency given : a ) you did, even if unintentionally given your client 's practice, violated my rights granted by the Fair Debt Collection Practices Act by not providing me with the debt validation letter, or any sort of communication, on time b ) you notified me that your " delinquency '' report to Credit Report ( s ) will be put in the " disputed '' status which is also wrong because c ) you have finally sent me an opportunity to require " debt validation '' in your letter dated XX/XX/XXXX which gives me ( us ) 30 days to resolve this issue. 

Hence, you could NOT HAVE reported me to the credit report, and my account with the alleged debt for we have until XX/XX/XXXX to settle and resolve this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2019-08-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JC Pennys reported to the credit reporting company 's my account was 3 month late cause 50 point drop in my score my jc pennys account is paid in full XXXX,, nor did I do anything to stop payment at XXXX XXXX is not my account why jc pennys paid for it for and account that's minds not sure why, I requested a payment history to date nothing the account don't apply to me nor minds JC Pennys are XXXX nor was I notified of no payment for three months its not my account either one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # 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 2019-10-26
Company: 2288984 Ontario Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$800.00} and have repaid $ XXXX+ yet this company claims I owe more than {$670.00} still. This is ridiculous! They do not respond to emails. Their chat feature never connects. They arent even located in the United States! 

I want my account marked PAID IN FULL/IN GOOD STANDING/CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ),  was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to  prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XX/XX/XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative several times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF. 

Any documentation needed can be provided upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX its reporting to the credit bureau a medical bill that does not belongs to me. I have requested validation of the item requested via phone after several attempts to disputing the collection directly with the credit bureau. I requested the company via phone to send me my confidential medical records with my writing release, no answer what so ever clearly violating my rights under HIPAA.

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 2019-02-20
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage is with Ditech. They have missing payments on my account when they found the {$6000.00} mistake they want me to pay all the late fees on the money they missed placed. They said they bounced a bunch of checks which I have not. And now I am facing foreclosure they will not take my money according to their attorney I am actually not in foreclosure. They overcharge my percentage rate and I have been on making homes affordable for several years. Their customer service is extremely horrible And extremely XXXX  and no one is willing to help. I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgage is starting with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and now Ditech. Which in fact they put me on the no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgages starting with XXXX XXXX XXXX, XXXX, XXXX and now Ditech. Which in fact they put me on a no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, 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 have contacted XXXX, XXXX, Equifax and advised I'am a victim of identity theft.on multiple occasions and the fraudulent accounts remain reporting negatively affecting my credit score on my credit report.The following account remain on my credit report.The Bureaus have done nothing tor Resolve this issue.Per The FCRA ACT623A ( 7 ) Negative information Must be removed immediately. I'am Requesting a CEASE DESIT AND BLOCK THE ACCOUNTS PERMANENTLY. ACCORDING TO THE FAIR CREDIT REPORTING ACT FCRA, SECTION 1681C ( 2 ) .BLOCK INFORMATION RESULTING FROM IDENTITY THEFT. 


Account # XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT XXXX, XXXX Account # XXXX XXXX XXXX XXXX DATED OPEND XX/XX/XXXX AMOUNT {$6000.00} Account # XXXX XXXX XXXX DATE OPEN XX/XX/XXXX AMOUNT XXXX Account # XXXX XXXX XXXX date opened Dated OPENED XXXX AMT. {$7200.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$4000.00} Account # XXXX DEPT OFED/XXXX opened AMOUNT {$1600.00} Account # # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$3600.00} Account # XXXX DEPT OFED/XXXX  opened XX/XX/XXXX amount {$2400.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$3600.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a Inquiry on my trans union credit report from XXXX dated XX/XX/2019 that I do not recognized I called trans union asking to research the dispute and they refuse to looking into the dispute and told me to get a letter of deletion from the creditor.

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 2018-04-05
Company: MoneyLion Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi Good Afternoon, On XX/XX/XXXX in response to an advertisement I received from Moneylion, I signed up and was approved for a cost-effective short-term loan of {$600.00} at a 5.99 %. I reviewed in great detail every section of the contract ( attached ) before signing. I was told that {$23.00} would be deducted weekly ( every Friday ) for 26 weeks, with a total payment of {$600.00}. 

After the first withdrawal on XX/XX/XXXX, I noticed a second withdrawal on the same day for {$31.00}. And this occured the following week as well - {$23.00} + {$31.00}. When I inquired with Moneylion, I was then informed that a membership fee ( that was initially advertised as {$79.00} initially ), is actually a recurring fee for the entire duration of your repayment, bring a total membership fee to {$31.00} x 26 weeks = {$830.00}. Nowhere in my contract was this ever stated or brought to my attention during the enrollment process. I am certain I would never sign up for this having been told so at the onset. 

I have since blocked the additional payment of {$31.00} as this was never communicated to me, but I shouldn't have to do so. This behavior is predatory and traps people into paying far more than is advertised.

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