BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: FREEDOM FINANCIAL NETWORK
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In 2017, I went through a financial hardship. I sought help from many financial institutions. I finally found a company, Freedom Debt Relief ( FDR ). I was promised that through their sister company that all my debts would be consolidated & paid off. That never happened. Anyways, I joined there program complying with their requests : I closed all my accounts & had {$690.00} withdrawn automatically from my checking every month to the present. 
After many months, all my accounts were charged off. FDR reassured me that it meant nothing. They told me my credit score would drop a little, but after six months it would start going up, again. They told me not to apply for anymore credit. Little did I know at the time how those charges offs would affect me in the future. I was never informed that I was liable for those charge offs to the Internal Revenue Service ( IRS ). 
Even though the accounts were being settled for less than owed, I was paying FDR 20 % of the full amount of each enrolled credit card & personal loans. Also, I had to pay the settled charge off amounts to the IRS. So, not only are the creditors able to write those charges off to the IRS, they still get to collect the settle amount. Win-win for the profitable creditors. 
Meanwhile, I have to struggle to work just so I could payoff all my financial obligations. I have not missed any payments in the last 48 months. Yet, I still can not even get a simple XXXX XXXX or XXXX credit card, because I have derogatory information on my credit report which has to remain on my credit report for seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Was not notified of investigation status or results

Complaint:
An original letter was sent to the credit bureau in XXXX. I didn't receive a response so I entered a complaint on CFPB for XXXX. Bureau responded and asked for confirmation of identity. The requested information was submitted with the original request letter from XXXX as indicated in the letter from the credit bureau.The personal information on my credit report is still being inaccurately reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: MS
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:
failure to report all of my creditors in the credit report thereby causing a low credit score causing a denial in credit applications. I contacted the Experian credit bureau and so did my law firm to no avail.

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 2021-02-26
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whomever It May Concern : My Name is XXXX XXXX and I've Contacted the CFPB about my Mortgage Co. ( Ocwen Mortgage ) and at one time ( Homeward ) and now ( Phh Mortgage. If I can just revisit the case # XXXX dated XXXX XXXX and get a Legal Answer to this Question even though ( Ocwen ) sent a statement that i never did understand why they ( Ocwen ) did this When we went to them for a Loan Modification and ended up with this Loan that added more to our problems than it solved. Why add {$40000.00} Balloon Pay to the end of this loan when we've paid every payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
BBVA Compass ran a {$200.00} promotion bonus for opening checking account from XX/XX/2017 through XX/XX/2017. I opened a checking account on XX/XX/2017. Per their requirement below, I have qualified but they refused to credit me with the bonus 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

2. Account must be opened within XX/XX/2017 through XX/XX/2017 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option XXXX. 
5. After the requirements have been met you should receive the promotion within 60 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2018, SYNCB/TJX CO add a hard inquiry on my credit report per 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 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Noticed that an unauthorized transaction occurred on my bank of america checkings account on XX/XX/2021. Someone transferred {$900.00} from my account using XXXX with an email I was not familiar with. Then they attempted 2 more transfers of {$850.00} and I called my banks fraud department immediately. I tried accessing my email to see why I didnt get notifications and I saw that the hacker was actively deleting them and constantly resetting my bank account credentials. They then attempted to transfer {$1000.00} and {$870.00} to separate emails on XXXX which were cancelled by my bank. I opened a claim and 10 days later I received a secure email from BoA stating that they rejected the claim due to the activity occurring on the same device that I use normally. How is that reasonable? I've been hacked and the hackers clearly tried to clean out my bank 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 2020-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete

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 2021-06-09
Company: EQUIFAX, INC.
State: AR
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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CNG FINANCIAL CORPORATION
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX calls 10 times a day if not more they bug me over and over again and wont stop sometimes they just call and hang up other times they keep telling me over the phone calls will contuie and there is nothing i can do about it this is my cell phone and i do not want them to ever call it again this time i did get mad and i did sware but you have to undertand they dont stop and its getting old real fast i was on the phone with my mom and they called and it kept akeing this beeping sound becuase i would not ancwer it this has to stop they nearly made me homeless and as far as that goes im not going to pay anymore i as paying every month then i called and said i cant pay you this month or i would not be able to pay my rent or get food to get by they took it anyway in the form of a cheek that they never told me they could take and i nearly lost everything i lost my car could not pay for that my family did not have enugh food and had my family not steped in i would not have been able to pay rent they made my bank go negitive by XXXX dallers i lost half of my XXXX money if my family did not help i would be on the streeXXXX so i dont think i should pay them anything anymore lost the car could not feed my family and nearly went homeless THOSE PEOPLE ARE MONSTERS they do not care about anyone or who they hurt please help me to get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.

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 2019-01-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enter into a payment plan but it was impossible to pay thru there website as i was leaving out of the country and there was no other way to contact them or send payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Long & Foster Financial Services, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am the seller of a home. The buyers did not qualify because of debt ratio on the day we were suppose to close. This process took 45 days. The loan officer missed ordering the appraisal and the buyers went over the required response after the home inspection of 5 days to counter. 

The buyers were pre-approved for XXXX. The sale of the house was XXXX. The loan officer updated an pre-approval letter to satisfy the contract. Now, the loan officer is saying that buyers lost their only income stream. The denial letter states Insufficient income, but in an email, she said they LOST their only source of income. Which would be Unable to verify employment ( if they lost their job ) OR, they were never qualified to begin with. Which means she didn't do her job correctly.

There has to be something that protects sellers for buyers remorse and people easily backing out of a contract and receiving their earnest money back, by simply calling and saying I lost my job, or can you get me out of this deal to the loan officer. My house is in a popular area and was taken off the market for 45 days and had multiple offers turned down do to the contract.

This defeats the whole purpose of earnest money!

Also, I had a contract on house with contingency to closing on my house. Which, I may lose!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
OnXX/XX/XXXX I noticed an unrecognized charge of {$9500.00} on my Huntington Bank debit card made at XXXX. I immediately called Huntington Bank customer service that same day and was issued a new debit card and was told they would refund my money back, days later I received the debit card but the money still was not credited back to my account. I then proceeded to contact Huntington Bank on XX/XX/XXXXand was told it would take up to 10  business days to have the money refunded. It is now been more than 10 business days and I have not received the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2021-02-26
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing XXXX XXXX XXXX also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NAVY FEDERAL CU at XXXX XXXX XXXX XXXX, VA XXXX XXXX has been sending me collection notices in the amount of {$12000.00}. 
The collection has been reported as pasted due balance. I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. i would like this item remove from my account completely.

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 2020-08-27
Company: LEXISNEXIS
State: MS
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:
Lexis Nexis is reporting a Bankruptcy on my credit report. The information is reporting inaccurately. The credit report agencies claim that they have verified this information from Lexis Nexis. According to the court house, they do Not verify this information to the credit reporting agencies or third parties such as Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, Nevada XXXX Date : XX/XX/2019 Complaint against M & T Bank M & T Bank imposed and an insurance policy that I did not want, requested, authorized, or needed. M & T Bank started to draft my bank account without my consent. M & T Bank is taking funds they have no right too. I notify M & T Bank to stop this insurance they disregarded my orders and continue taking the money. 
This is an FHA mortgage. They are not abiding by FHA Rules and regulation.

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 2021-02-26
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFCAPSYS is claiming that I owe them {$9900.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
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:
I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. 
Regarding alleged account # XXXX, XXXX and XXXX 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 an account without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX5 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

Company response to consumer: Closed with explanation